1, laid-off workers in cities and towns (holding the Re-employment Concession Certificate or Unemployment Certificate issued by the labor and social security department);

2. Unemployed demobilized soldiers in cities and towns (valid retirement certificate should be provided);

3 registered unemployed people in cities and towns (holding unemployment certificates);

4. College graduates who have not been recommended for employment for more than half a year and require employment (submit the "Graduation Certificate" of full-time ordinary colleges and universities and the "Employment Registration Certificate for College Graduates" issued by the competent department of college graduates).

5. The loan object must be a China citizen with a fixed residence, a fixed residence in a local town and full capacity for civil conduct.

6, the loan object must be within the legal working age, healthy, honest and trustworthy, with entrepreneurial will, with certain labor skills.

7. Be law-abiding, honest and trustworthy, and have no illegal acts and bad records (those who have bad credit records for more than three times will not be handled).

8. The projects invested by the established economic entities conform to the relevant national laws, regulations and policies, and have obtained the industrial and commercial business license and tax registration certificate.

9. Those who have enjoyed the preferential policies for small secured loans will no longer enjoy the preferential policies for small secured loans.

Extended data:

Interest-free loan for college students' entrepreneurship refers to a loan method established to encourage college graduates to start their own businesses. For entrepreneurs themselves, it is interest-free, but for banks, it is interest-bearing, except that the state has introduced relevant policies to encourage entrepreneurship and promote employment, and the interest is subsidized by finance.

Application conditions:

1, identification;

2. Students need to provide student ID cards and transcripts;

3. Graduates are required to provide graduation certificates and degree certificates;

4. Checklist of frequently used bankbooks or bank cards in the past 6 months;

5. Other credit certificates: scholarship certificate, class cadre certificate, club activity certificate, various honor/social reward certificates, such as blood donation and voluntary teaching.

6. Check whether students have bad criminal records.

7. College degree or above;

8 unemployed for more than 6 months after graduation, and registered in the local labor and social security department.

Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank. In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.

Extended data:

Interest-free loan-Baidu Encyclopedia