2. The maximum amount of small secured loans can reach 654.38+10,000 yuan, and the loan period is two years. For those engaged in low-profit projects, the state will increase by 3 percentage points according to the benchmark interest rate.
3. Small secured loans are based on the principle of "territorial management", so you should apply to the employment bureau where your household registration is located. The required formalities, certificates and procedures are as follows:
Step 1: Financial institutions lend money. The borrower applies to the handling financial institution and provides relevant loan application materials. Handling financial institutions shall accept and review according to the provisions of credit policies, and if they meet the requirements of credit access, handling financial institutions shall issue loans according to the provisions.
Step 2: Discount recommendation and filing. For those who meet the financial discount conditions and don't need counter-guarantee from guarantee institutions, the handling financial institution will issue the Micro-loan Entrepreneurship Guidance and Recommendation Form, and the borrower will go to the local employment bureau within 10 working days after obtaining the loan.
1, issued by the handling financial institution.
2. Original and photocopy of business license and tax registration certificate.
3. The original and photocopy of the bank loan contract;
4. Personal documents: ID card, household registration book, original and photocopy of re-employment concession card or unemployment certificate (employment unemployment registration certificate), support concession card, valid certificate of discharged soldiers, and certificate of rural workers entering the city to start a business.
Step 3: Qualification and condition review. The employment bureau shall, within 5 working days, organize personnel to verify the project situation, employment situation, business situation and loan situation of the applicant for the record, and collect relevant information.
Step 4: Participate in training and provide entrepreneurial services. In accordance with the relevant policies and regulations on entrepreneurship to promote employment, the Employment Bureau timely organizes qualified personnel to participate in entrepreneurship training organized by the labor and social security department and entrepreneurship service organized by the Entrepreneurship Guidance Center of the Employment Bureau; Strengthen daily management and follow-up services. , and establish relevant basic management accounting, establish and improve the management service operation mechanism.
The borrower shall provide the following information to the community where his household registration is located.
1. Original and 3 copies of ID cards of both husband and wife.
2. The original and 3 copies of the husband and wife's household registration book.
3 original and 3 copies of marriage (divorce) certificate or unmarried certificate.
4. The original and three copies of the business place certificate.
5. Original and 3 copies of the "SIYB" entrepreneurship training certificate.
6, small secured loan project demonstration report.
7. The original and 3 copies of the residence certificate issued by the community where the husband and wife live.
8. One-inch recent photo of husband and wife 1.
9. Personal Loan Application Form in triplicate.
10, 3 originals and photocopies of industrial and commercial business license and tax registration certificate.