Of course. The interest-free loan issued by the Labor and Employment Bureau is a policy support project supported by the government to support entrepreneurship. The employment center of the Labor Bureau provides guarantee, the bank issues loans and the government subsidizes interest.
Procedures for applying for small secured loans to promote employment:
I. Applicants for small secured loans
The following persons who have local household registration, meet the legal working age, have the ability to work, and engage in self-employment, breeding or partnership operation of economic entities, and the labor-intensive small enterprises founded by them are insufficient in self-financing, may apply for small secured loans:
Persons with local hukou, self-employment and self-employment, and holders of Employment and Unemployment Registration Certificate, retired military personnel, college graduates, returning migrant workers and landless peasants.
Second, the conditions for applying for small secured loans
The loan applicant must have certain repayment ability, legal business procedures, breeding certificate, fixed business premises, farms and certain self-owned funds. The business projects are in line with the national industrial policy and the personal credit is good.
Three, small secured loans identified approval procedures
1. The lender fills in the Application Approval Form for Promoting Small Guaranteed Discounted Loans, and signs the preliminary examination opinions at the township (labor insurance station) and seals it.
2. After the employment center receives the lender's application, the handling personnel and bank credit personnel will review the lender's qualifications and projects, conduct on-the-spot investigations and sign opinions.
3. After receiving the examination and approval opinions from the county employment center, the bank will handle the loan contract, sign opinions and issue loans.
4. The county employment center will report the information of the loan applicant to the county finance bureau to issue discount opinions, and report it to the office of the leading group for coordinating small secured loans to promote employment for the record.
What are the conditions for employment loans?
Hello, generally speaking, the basic conditions for personal loans are as follows:
1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;
2. Have a stable legal income and proof, and have the ability to repay interest;
3. When the loan business needs a down payment, it has the ability to pay the full down payment;
4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;
5, such as credit loans, need to have a good reputation;
6. Other conditions meeting the requirements of the bank.
Personal loans are roughly divided into personal real estate loans, personal automobile consumption loans, personal bulk consumer goods loans and personal micro-credit loans. According to the different types of bank loans, the requirements are different. I hope you can consult in detail when you apply.
In addition to personal bank loans, there are also corporate commercial loans. For the loan business of large and medium-sized enterprises, bank loan requirements are also different from personal loans. The loan object of a commercial loan must be a commercial enterprise, that is, it has economic income, the prepaid value can be compensated and increased, and there is a source of funds to repay the principal and interest of the loan. Enterprise loan requirements should meet the legitimacy and independence of operation, have certain self-owned funds, open a basic account in a bank, have the ability to repay the principal and interest on schedule, and have good credit. In addition, it is also necessary to meet other requirements such as collateral required by banks. The specific loan requirements of each bank are different, and lenders need to go to specific banks for corresponding consultation.
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20 17 years, in-service, loan for three years. In the last year, the Postal Savings Bank charged 6,800 yuan in interest. There is no interest subsidy in the third year.
You applied for a job for three years on 20 17, and the last year was 6800 yuan. Just pay back the loan. If the amount is wrong, you can go to the bank to discuss and consult.
How many interest-free loans can the Labor and Employment Bureau borrow?
You can get a single loan of up to 500,000 yuan.
Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years; In order to support laid-off workers to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers launched in many areas can also enjoy 60% government discount.
Why didn't the discount loan from the Employment Bureau come down for 4 months?
Information is incomplete or not guaranteed.
1. When handling the interest-free loan, the employment bureau should prepare the relevant materials of the labor bureau's business loan, such as ID card, household registration book, employment unemployment certificate, business license issued by the industrial and commercial department, and provide the guarantor's information.
2. If approved, go through the guarantee formalities at the local guarantee center, and the ID card, household registration book and work unit certificate of both the guarantor and the wife can be approved.
20 17 preferential policies for venture loans and their application requirements
20 17 preferential policies for venture loans and their application requirements
For many entrepreneurs, start-up capital is the biggest headache. Of course, you can't start a business without money. In order to help entrepreneurs better start their own businesses, the government has also issued a series of business loan policies to encourage and support business start-ups. The following are the preferential policies and application requirements of 20 17 venture loan that I have compiled. Welcome to read!
First, the concept of entrepreneurial secured loans
The original name of the business guarantee loan is "small secured loan", and it was renamed as "business guarantee loan" in 20 16 in response to the State Council's policy of "mass entrepreneurship and innovation". Mainly in view of the financial difficulties faced by entrepreneurs who meet the loan conditions in the process of self-employment, self-employment or partnership organization, in accordance with the relevant national employment promotion policies, it is a policy loan established by governments at all levels, guaranteed by designated guarantee institutions, issued by designated banks, and supported by the government at a certain discount.
Second, the conditions for applying for a business guarantee loan
1. The applicant must be a local registered laborer who meets the requirements of the superior, has not been employed in an institution, enterprise or institution within the legal working age, has no bad credit record, and has no other loans from commercial banks (except student loans, poverty alleviation loans and first home loans);
2. The applicant shall establish enterprises, individual industrial and commercial households (including recognized online entrepreneurship), private non-enterprises and other business entities in the local area;
3. The applicant must provide relevant certification materials in strict accordance with the conditions stipulated by the venture guarantee lending institution;
4. Other members of the borrower's family shall not apply for business guarantee loans repeatedly.
Three, the amount and duration of the business guarantee loan
The venture guarantee loan amount is 500 ~ 654.38+10,000 yuan. The specific amount shall be reasonably stipulated according to the lender's personal loan amount, number of employees and business scale. The longest term of business guarantee loan is 2 years.
Four, the interest rate and discount of business guarantee loans
The interest rate of start-up secured loans shall not rise by more than 3 percentage points on the basis of the benchmark interest rate of loans of the People's Bank of China for the same term.
Give full preferential treatment to college graduates, unemployed people, people with employment difficulties, retired soldiers, migrant workers returning home to start businesses and other personal objects that meet the policy.
Five, the process of enterprise secured loans.
Application → Audit → Training → Inspection → Guarantee → Lending → Filing → Discounting.
Six, apply for business guarantee loans to be submitted materials
(1) Henan province business guarantee loan application form (self-employed);
(2) the original and photocopy of the household registration book and ID card;
(3) Copy of business license or online business identity certificate, original and copy of business license;
(4) College graduates provide the original and photocopy of graduation certificate; Veterans provide the original and photocopy of the "Veteran Certificate"; The original and photocopy of the corresponding certification materials provided by the employment difficulties personnel with employment unemployment registration certificate or personal identity certificate;
(5) Married persons are required to provide the original and photocopy of the marriage certificate; Divorced persons provide divorce certificates or judgment documents; Widowed persons provide proof of widowhood or household register showing widowhood information; (Divorced and widowed persons need to contact their immediate family members when making loans); Unmarried people need to provide proof of unmarried and have kinship with their parents or immediate family members (note that all relatives must be within the legal working age and have the ability to work);
(6) Network entrepreneurs need to provide screenshots of the homepage of online stores and detailed screenshots of online transactions in the past 12 months;
(7) Other required materials.
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