Application requirements:

(1) Holding unemployment certificates and re-employment concession certificates issued by local government departments;

(two) the project plan is feasible and in line with the scope of the project policy documents;

(3) Self-raised funds reach more than 65,438+00% of the loan amount (deposited in the local designated bank in the name of the borrower before the loan, and used together with the loan principal).

The procedure is as follows:

(1) Voluntary application. The borrower shall submit the following materials to the street (town) labor security office (station) where the household registration is located: 1. Form for submitting small-sum secured loans for unemployed persons; 2 loan project feasibility report (A4 paper specifications); 3. Personal information of the borrower: ID card, household registration book, unemployment certificate and re-employment concession card (check the original with A4 paper specifications).

(two) the borrower recommended to the street (town) labor and social security office (station). Street (town) labor and social security office (station) shall, within 10 working days after receiving the application materials, review the borrower's qualification and project feasibility report according to Articles 2 and 3 of these Measures, and issue suggestions on whether to agree to the loan.

Street (town) has not yet established a labor security office (station), the borrower directly to my "unemployment card" and "re employment concession card" institutions to apply.

(3) the labor department audit. The borrower applies to the local municipal and district labor department for examination. After receiving the application materials, the municipal and district labor departments shall issue recommendations by the street (town) labor security office (station) and sign the review opinions within 5 working days; Directly accepted by the urban labor department, the examination opinions shall be signed within 15 working days.

(4) The loan bank reviews, signs loan contracts and issues loans. The competent business department of the head office of the local bank shall refer to the opinions of the labor department, and reply to the borrower whether to issue the loan within 10 working days, and complete the relevant procedures.

loan

Loan refers to the financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).

How to apply for a personal loan from a bank

Steps for individuals to borrow money from banks:

1. Users need to bring personal ID cards, income certificates, employment certificates and other materials to the bank outlets, apply for loans from the counter staff, and provide application materials as required.

2. After receiving the application materials, the bank staff will evaluate the qualifications of the applicant.

3. After the user passes the bank audit, he signs a loan contract with the bank, stipulating the repayment amount, repayment interest rate, repayment period, etc.

4. After that, the bank will issue loans to individual designated accounts according to the time limit agreed in the loan contract.

Banks mainly examine two aspects of lenders: one is the credit status of lenders, and the other is the income status of lenders. The credit status of the lender will be verified by the bank through the credit report of the Credit Information Center of the People's Bank of China. The lender's income will be audited by the bank through the lender's salary income, fixed assets and family background.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks will put concentrated money and monetary funds out in the form of loans, which can meet the needs of social expansion and reproduction, supplement endowment and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" of loan pooling refer to safety, liquidity and efficiency, and are the fundamental principles of loan management in commercial banks. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

How to apply for a loan from a bank

The steps to apply for a bank loan are:

1, prepare data;

2. application; After the relevant materials are prepared, the customer can apply for a loan at the bank or the law firm entrusted by the bank and submit the relevant materials to the bank. After paying various fees, customers need to sign a loan contract with the bank;

3. Payment review;

4. Handling other legal procedures, in addition to the contract, you need to go through some legal procedures;

5. Bank loans.

legal ground

Article 25 of the general principles of loans

If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:

1. Basic information of the borrower and guarantor;

Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;

Three, the original unreasonable occupation of loans to correct the situation;

4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;

Verb (abbreviation of verb) project proposal and feasibility report;

Other relevant information deemed necessary by the lender.

How to apply for a loan?

To apply for a loan, the following conditions must be met: 1. The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state. 2. The purpose of the loan is clear and legal. 3. The loan application amount, term and currency are reasonable. 4. The borrower has the willingness and ability to repay. 5. The borrower's credit status is good and there is no significant bad credit record. 6. Other conditions required by the lender.

legal ground

Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions. Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.

How do individuals apply for loans?

Individuals should apply for loans in the following ways:

1, you need to apply to legally established banks and other financial institutions;

2. Provide information on business activities and financial status related to loans;

3. Sign a loan contract with the bank;

4. Bank audit;

5. After the loan is approved. That is, according to the law, the lender can inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed. If the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

legal ground

Article 669 of the Civil Code of People's Republic of China (PRC) * * * The borrower shall provide the true information and be obliged to conclude a loan contract, and the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender.

How to apply for a bank loan

First of all, the borrower should apply to the bank outlet. When applying, the borrower should bring his ID card and other relevant information, and if he is a merchant, he should also bring his business license.

Second, the bank will investigate the lender after receiving the lender's application. The bank mainly examines the personal credit status and personal income status of the lender to decide whether to lend money.

Third, after investigation and approval by the bank, sign a loan contract with the bank.

Fourth, banks lend money, and lenders get loans smoothly.

The above is just the general process of banks. The regulations of different banks may be slightly different, and the information to be submitted may also be different. Therefore, people who want to borrow money can go to the website or outlet of the loan bank for special consultation to ensure that they can get the loan smoothly. In addition, in order to avoid loan risks, banks will require lenders to meet certain conditions, such as age, income level and repayment ability.

Legal basis:

People's Republic of China (PRC) Commercial Bank Law

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.

Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.

After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.

Article 38 A commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.