1. Exempt from counter-guarantee loan

1) If an entrepreneurial entity is established in the credit cooperative area of the business guarantee loan, it may apply for a business guarantee loan of not more than 50,000 yuan;

2) College graduates and college students who set up business entities in municipal business incubation demonstration bases or designated universities within 5 years after graduation may apply for business guarantee loans not exceeding 654.38+10,000 yuan;

3) Those who participate in entrepreneurship training in designated training institutions at the municipal level, obtain a certificate of completion, and start an entrepreneurial entity within 1 year may apply for an entrepreneurial guarantee loan of no more than 1.5 million yuan;

4) Entrepreneurs who have won the third prize and above in various entrepreneurial competitions organized or participated by government departments at or above the municipal level, who set up business entities, employ no less than three workers and pay three months' basic pension, basic medical care and unemployment insurance premiums for them, can apply for a business guarantee loan of no more than 300,000 yuan.

2. Providing counter-guarantee loans

1) to provide credit guarantee, you can apply for a business guarantee loan of no more than 200,000 yuan;

2) If effective collateral is provided, you can apply for a business guarantee loan of no more than 300,000 yuan. Among them, if there are not less than 3 or 5 employees who have paid basic pension, basic medical care and unemployment insurance premiums for three consecutive months, the loan amount can be increased to 400,000 yuan and 500,000 yuan respectively. The mortgaged real estate or the real estate still under mortgage loan is allowed to be used as the collateral of the venture guarantee loan on the premise that it still has the guarantee value.

Second, the loan interest rate.

From August 17, 2020, the maximum interest rate of new business guarantee loans issued by financial institutions shall not exceed LPR 100 basis points, which shall be determined by the handling bank through consultation with borrowers and borrowing enterprises according to their operating conditions and credit status.

Third, the loan term.

The handling bank shall, according to the borrower's business activities and capital turnover, determine the repayment method and interest settlement method of the venture guarantee loan. The loan term shall not exceed 65,438+0 years at a time. After the due repayment of principal and interest, it can be extended twice if the following conditions are met:

① There is no bad credit record during the previous loan duration;

② The production, operation and service activities are normal, with no significant losses;

③ No behavior beyond the scope of production and operation has occurred;

(4) Others did not violate the provisions of the handling bank.

Among them, the number of loans without counter-guarantee recommended by municipal designated training institutions is 1.