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Procedures for handling small secured loans
Laid-off workers or partnership entities applying for loans should apply to neighborhood committees or enterprises with relevant information and fill in the Approval Form for Re-employment Microfinance in Ganzhou City. After verification, people who meet the loan objectives and specified conditions are recommended to the re-employment microfinance credit guarantee center. After preliminary examination, the situation is true and reported to the Municipal Re-employment Office. After the approval, the complete set of materials will be submitted to the undertaking bank for re-examination. If the materials pass the re-examination, the applicant will go directly to the undertaking bank to handle the loan-related procedures. The undertaking bank shall declare its consent according to the relevant loan approval procedures, complete the mortgage registration or pledge payment stop procedures, and issue loans after the guarantor is implemented.
Loan conditions of small secured loans
1, must have a business license, a fixed business place and more than 30% of its own funds; Engaged in business projects must comply with relevant national policies and have the ability to repay loans; Having assets recognized by the undertaking bank as collateral, or units or individuals with sufficient compensatory capacity as guarantors; The borrower must open an account in the undertaking bank with no bad record and belong to the permanent residence of the neighborhood Committee in the community.
2, informal employment labor organizations and re-employment bases to apply for small loans, must have independent legal personality, a fixed production and business premises and a certain amount of fixed assets and its own liquidity, resettlement of laid-off workers must account for more than 50% of the total number of employees, business projects have good market prospects, with good income and repayment ability.
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