First of all, applying for re-employment requires a business license, a fixed business place, and more than 30% self-financing; Engaged in business projects need to 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.

Secondly, informal employment labor organizations and re-employment bases need to have independent legal personality, fixed production and business premises, a certain amount of fixed assets and their own liquidity, and the placement of laid-off workers needs to account for more than 50% of the total number of employees. The operating project has good market prospect, income and repayment ability.

Re-employment small secured loans refer to the spirit of Zhong Fa [2002] 12 and Gan Fa [2002] 13. In order to help laid-off workers find jobs themselves, start their own businesses and organize themselves for employment, the government has set up a re-employment fund for laid-off workers who are honest and trustworthy, have the ability to work and have the desire to find employment, in view of the practical difficulties of the laid-off workers in the process of starting their own businesses, and it is difficult to obtain bank loans.

All laid-off and unemployed people under 60 years old who are healthy, honest and trustworthy and have certain labor skills are self-employed, start their own businesses or run partnerships, organize themselves for employment, and have insufficient self-raised funds. Under the premise that the loan guarantee institution promises to guarantee, it can apply for small secured loans to commercial banks or their branches with the re-employment concession card issued by the labor and social security department. The amount of small secured loans is generally around 20,000 yuan, the loan term is generally not more than two years, and the extension period is not more than one year.

The interest rate of small secured loans shall be determined according to the loan interest rate level announced by the People's Bank of China, and shall not rise. Small secured loans engaged in low-profit projects are fully subsidized by the central government according to the facts, and no subsidy is granted during the extension period.

What is a small secured loan for re-employment?

Small secured loan for re-employment is a special re-employment method for laid-off workers who lack start-up funds and credit guarantee in the process of starting a business, and it is difficult to obtain bank loans. The government set up a re-employment guarantee fund and applied to the bank for re-employment through a re-employment guarantee institution.

Who can apply for a small secured loan for re-employment?

1, laid-off workers from various state-owned enterprises

2 laid-off workers from large collective enterprises in cities and towns

3. Other urban unemployed people who enjoy the minimum living guarantee and have been unemployed for more than one year (the above personnel must obtain the "Laid-off Workers Re-employment Concession Card")

4, for the "urban retired soldiers self occupation certificate" of urban demobilized soldiers.

5. Unemployed persons registered in other cities and towns (including college graduates who have registered unemployment in cities and towns, returned overseas students) and rural workers who have returned home to start businesses.

The use of small secured loan funds for re-employment

It is mainly used to help entrepreneurs solve the problem of insufficient start-up funds for business opening, production and operation, purchase of equipment and production and operation of houses. Commercial projects mainly include production, processing, sales, commerce, catering, repair, domestic service and other services in the region.

Industries restricted by the state, such as construction, entertainment, real estate sales, land use right transfer, advertising, housing agency, sauna, Internet cafes, oxygen bars, etc., may not apply for small secured loans for re-employment.

Can the car loan be repeated? There are many ways to continue lending.

In modern society, many users have the experience of applying. After applying for small loans, if you apply for other loans, the personal credit reporting debt ratio will be higher, and many financial institutions may refuse to lend. Can the car loan be repeated? There are many ways to continue the loan!

Can the car loan be repeated?

When the borrower applies, if he wants to apply for a car loan and fails to pay it off, the probability of passing it is relatively small. Because each borrower's repayment ability is limited, if there are more outstanding loans at present, banks will refuse loans on the grounds of risk. But it doesn't mean that borrowers can't apply for loans.

1, mortgage loan

Car loan application conditions are different. Borrowers can find ways to use cars as collateral and then apply for car loans. Through this operation, you can apply for the loan amount you want. The credit line of mortgage loan is usually linked to the assessed value of collateral, and general financial institutions will have long-term cooperative assessment companies to assess the value of collateral.

2. Guaranteed loan

If there is no collateral to apply for mortgage loan, the borrower can also try to find a person with good personal qualifications, no debt and meeting the requirements for bank loan application as a guarantor. Banks generally pay more attention to the guarantor's comprehensive personal qualifications. If the borrower can't repay the loan, the guarantor needs to bear the same responsibility.

If no suitable guarantor can be found, the borrower can also find some formal guarantee companies in the market to guarantee themselves. However, guarantee companies usually need to charge a relatively high guarantee fee.

The above is the sharing of "Can car loans be repeated?". I hope it will help everyone!