Small secured loans for laid-off workers
Small secured loans for laid-off workers refer to RMB loans granted by China Construction Bank to laid-off workers in China (excluding Hong Kong, Macao and Taiwan) under the premise of providing guarantees by loan guarantee institutions designated by the government.
Basic rule
1. Loan target: laid-off workers.
2. Loan amount: the minimum amount is 2,000 yuan, and the maximum amount of single-family loan is 20,000 yuan (inclusive).
3. Term of the loan: no longer than 2 years. If the borrower proposes an extension and the guarantee institution agrees to continue to provide the guarantee, it may be extended once according to the provisions of the People's Bank of China. The extension period shall be extended on the basis of the original loan maturity date, and the longest extension shall not exceed one year.
4. Loan interest rate: The loan interest rate stipulated by the People's Bank of China for the same period shall be implemented, and it will not rise.
5. Guarantee method: the guarantee institution established by the government provides the guarantee.
6. Application materials to be provided:
Processing channels and procedures
1. Processing channel: The borrower applies for processing through the business outlets of China Construction Bank, which provide small secured loans for laid-off workers.
2. Handling process: ① Acceptance. Applying for a small secured loan should be recommended by the community or enterprise where the borrower is located. After being audited by the labor and social security department, audited by the loan guarantee institution and promised to guarantee, the borrower voluntarily applies for a loan from China Construction Bank, and fills in the Application Form for Small Guaranteed Loan for Laid-off Workers of China Construction Bank.
② Pre-loan investigation. After receiving the borrower's application form and related materials, the handling bank shall investigate and verify the authenticity and integrity of the borrower's application materials, and review whether the guarantee institution has signed the commitment guarantee opinion;
3 recognition. The handling bank shall fill in the Approval Form for Small Guaranteed Loans for Laid-off Workers of China Construction Bank, complete the examination and approval within 150 working days after receiving the borrower's application form and related materials, and fill in the Approval Form for Small Guaranteed Loans for Laid-off Workers of China Construction Bank (see Annex), and notify the loan applicant of the examination and approval results;
4 distribution. Upon examination and approval of the loan, the handling bank shall sign the Small Guaranteed Loan Contract for Laid-off Workers of China Construction Bank with the borrower, and stipulate the loan amount, term, interest rate, repayment method, overdue interest, use and other related matters in the contract. Small secured loans implement single account management and single account accounting for borrowers. The loan funds are transferred to the personal bank settlement account opened by the borrower in China Construction Bank.
⑤ Post-loan management. A tier-one branch or prefecture-level handling bank shall sign a cooperation agreement with the guarantee institution designated by the local financial department. A guarantee institution shall, in accordance with the provisions of the financial department and the requirements of the agreement and contract, deposit the guarantee fund into the special account for the guarantee fund established in the handling bank. The balance of liabilities of small secured loans shall not exceed 5 times the balance of bank deposits where the loan guarantee fund is located. At the end of each month, the handling bank shall fill in the Statistical Statement of Small Guaranteed Loans for Laid-off Workers of China Construction Bank and the Statistical Table of Discounted Small Guaranteed Loans for Laid-off Workers of China Construction Bank, and submit them to the local municipal finance and the superior bank.
⑥ Loan recovery. Non-meager profit project loans shall be settled on a monthly and/or quarterly basis. The repayment of the loan shall be in the form of equal principal and interest. If the loan period of non-low-profit projects is less than one year, the loan will be repaid first, and the loan principal and interest will be repaid in one lump sum when the loan expires. If the loan term exceeds one year, the principal and interest shall be repaid in equal monthly/quarterly amounts. The loans for low-profit projects shall be settled quarterly and fully subsidized by the finance. If the loan term is less than one year, the loan principal will be repaid in one lump sum when the loan expires. If the loan term is more than one year, the principal and interest will be repaid on a monthly or quarterly basis. The borrower repays the principal and interest of the loan by entrusted deduction, and deducts the money from the agreed repayment account.
Or you can call 95533 and ask the customer service number of CCB.