I. Requirements: You must have an unemployment registration certificate.

Anyone who applies for a small secured loan must first apply to the labor and social security department for unemployment registration and obtain the Employment Unemployment Registration Certificate. In addition, the unemployed must rely on the "Re-employment Concession Card", the demobilized soldiers must rely on the valid certificate of military retirement, the graduates of colleges and universities must rely on the graduation certificate within 2 years after graduation, the disabled must rely on the disability certificate, and the landless farmers must rely on the land acquisition certificate issued by the township (street) labor and social security agencies before they can apply to the relevant departments.

If returning migrant workers want to apply for a small secured loan, they can rely on the proof of going out to work issued by the labor and social security agency of the township (street) where their household registration is located.

Second, the required procedures: applying for a small loan can be handled in the community, which requires four procedures.

1, voluntary application. The borrower shall submit a written application to the labor security agency of the community or street (township) where the household registration is located or where the business is located, and submit relevant materials and certificates.

2. Review and recommend. After receiving the application, the community or street (township) labor security agency will investigate the applicant's qualifications, integrity, business premises, project market prospects and individual entrepreneurial ability. , and issue recommendations to those who have passed the preliminary examination and report them to the guarantee institution.

3. Promise. The guarantee institution conducts qualification identification and project audit on the applicant, and the guarantee institution simplifies the procedures to minimize or cancel the counter-guarantee.

4. Issue loans. The borrower signs a loan contract with the handling bank, and the handling bank issues loans.

Third, the loan standard:

The term of small secured loans is generally 2 years, which can be extended for 2 years. Among them, the amount of small secured loans for self-employment and self-employment generally does not exceed 50,000 yuan; Partnerships and organized employment can apply for loans at a scale of 50,000 yuan per capita, but the total amount does not exceed 500,000 yuan;

Fourth, the issue of interests:

Small secured loans issued by self-employed and partnership enterprises engaged in low-profit projects are fully subsidized by the central government according to the facts; Small businesses can enjoy a 50% discount on the benchmark loan interest rate. Since June 5438+1 October1day, 2008, the interest rate of new small-sum secured loans issued by the handling bank can rise by 3 percentage points on the basis of the benchmark interest rate of loans announced by the People's Bank of China, and the increased interest of low-profit projects will be fully borne by the central government.

5. Is there any discount for students and disabled people?

In fact, as long as it can be repaid, it is a discount, because it is interest-free and the biggest discount.

That's all you want to know. Finally, I wish you success.