Expand the scope of distribution
According to the "Implementation Measures", the objects of small secured loans are expanded to six categories, including: unemployed people, retired military personnel, college graduates, disabled people, migrant workers returning home to start businesses, landless farmers and other self-employed and self-employed people who have the desire and conditions to start businesses within the legal working age.
In addition, economic entities jointly established by the above-mentioned six categories of personnel and small enterprises with certain self-owned funds can apply for small secured loans if they newly recruit the above-mentioned six categories of personnel to 30% of the total number of employees (15% for enterprises with more than 00 employees), sign labor contracts with them for more than 1 year and pay social insurance in full.
Continue to support successful entrepreneurship.
The amount of self-employed loans generally does not exceed 50,000; For partnership enterprises, it can be determined by 50 thousand yuan per capita, and the total amount generally does not exceed 500 thousand yuan; Loans to small enterprises generally do not exceed 2 million yuan; The loan term is generally two years, which can be extended for two years. For those who successfully start a business through loan support and repay the loan on time, they can continue to give small secured loan support.
For small secured loans issued by self-employed individuals and partnership enterprises engaged in low-profit projects, the central government will fully subsidize them according to the facts; Small businesses can enjoy a 50% discount on the benchmark loan interest rate. Since June 5438+1 October1,the interest rate of new small-sum secured loans issued by the handling bank can be increased by 3 percentage points on the basis of the benchmark loan interest rate announced by the People's Bank of China, and all the increased interest of low-profit projects will be borne by the central government.
The bad debts of three types of people can be written off.
Different from the past, for small secured loans that can't repay the principal and interest on time, relevant institutions will start to recover overdue loans, but small secured loans of self-employed and self-employed individuals can be included in the scope of write-off. These include: the borrower is declared missing or dead due to death or according to the general principles of civil law, or loses full capacity for civil conduct or labor; The borrower suffers from major natural disasters or accidents, resulting in huge losses and unable to obtain insurance compensation, or it is really unable to repay part or all of its debts after obtaining insurance compensation; The principal and interest of the loan that cannot be recovered after the borrower disposes of its collateral (pledge) according to law and claims joint liability from the counter-guarantor through litigation and enforcement procedures.
Bad debts of small secured loans should be written off once a year. For borrowers who have been identified as write-offs of bad debts, the guarantee institutions will no longer approve their applications for small secured loans in principle within five years.
This method has been implemented, and you are also benefiting from it. You can consult the local credit union, and they will give you a satisfactory answer. I wish you success! Thank you~