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This is a small loan for unemployment in Guangzhou.

First, the object of applying for small secured loans is:

Meet the legal working age, have full capacity for civil conduct, have a certain ability to work and desire for employment. After 1 in 2006, they obtained a business license to start their own businesses, engage in self-employment or partnership organizations, and their self-raised funds are insufficient. They are registered as unemployed people in cities and towns and rural laborers in this district.

Two, apply for a small secured loan personnel or partnership operators must meet the following conditions:

1. Hold the Handbook of Employment and Unemployment in Guangdong Province;

2. No bad credit record or other illegal economic records;

3, there are self-operated or partnership projects, there are fixed business premises and a certain amount of idle funds in the region, and the project has good income and solvency;

4. Hold a business license issued by the local administrative department for industry and commerce (if the business license consists of "family business" or "partnership enterprise", it shall be accepted as a "partnership enterprise" and an account shall be opened in the handling bank;

5. Provide counter-guarantee measures or meet the conditions for exemption from counter-guarantee.

Third, the loan amount: the small secured loan amount does not exceed 80,000 yuan per person; Organization of partnership employment, the maximum is not more than 400 thousand yuan.

4. Loan term: The loan term is generally 2 years. When the loan expires, the borrower proposes an extension and the counter-guarantee measures continue to be implemented. If the guarantee institution agrees to continue to provide the guarantee, it can be extended once with the consent of the bank, and the extension period shall not exceed 65,438+0 years. The same applicant can only apply for a loan once in the same loan period (including extension).

Verb (abbreviation for verb) loan interest rate and interest discount

1. Loan interest rate: determined according to the loan interest rate level published by the People's Bank of China, and allowed to rise by 3 percentage points.

2. Loan discount: For those engaged in low-profit projects, the newly issued small secured loans will be fully discounted by the district finance (no discount will be given during the extension and overdue period) from June 65438+ 10/day, 2009.

3. The interest of the non-discount loan shall be paid at the time specified by the bank after the loan is successful. 4. Low-profit projects: refer to self-employed projects and aquaculture.

Persons eligible for exemption from counter-guarantee by intransitive verbs:

1, both husband and wife are unemployed;

2. Unemployed people from single-parent families;

3. Demobilized veterans who have obtained the certificate of completion of entrepreneurship training, those with employment difficulties and those who hold the "Re-employment Concession Card".

Employment difficulties refer to:

(1) Older unemployed persons (registered unemployed persons in cities and towns with women over 35 years old and men over 40 years old);

(2) Older rural unemployed (female 30 years old, male 35 years old or older registered unemployed who changed from rural household registration to urban household registration);

(3) Older rural labor force (women over 30 years old and men under 35 years old);

(4) extremely poor unemployed people;

(5) low-income people;

(6) Unemployed people in "zero-employment families";

(7) Disabled persons;

(8) Panyu Shengyuan College graduates who have not been employed within 2 years after graduation and hold the Guangzhou Shengyuan College Graduates Service Certificate.

Seven, loan procedures:

(1) Voluntary application.

1. The applicant first applies for a loan at the labor and social security service center in the street (town) where the registered permanent residence is located, and receives and fills in the Application for Small Guaranteed Loan for Laid-off Workers in Panyu District (hereinafter referred to as the Application) in quintuplicate.

2. The loan applicant shall provide the following information:

(1) The original and photocopy of the borrower's ID card and household registration book are in quintuplicate, which shall be returned to the original after verification.

(2) The original and 5 copies of the Handbook on Employment and Unemployment in Guangdong Province; Check the original and return it.

(3) The original and photocopy of the business license are in quintuplicate, which shall be returned after verification.

(4) Relevant information of counter-guarantee:

(1) If the loan applicant chooses to use real estate mortgage or securities (national debt) as collateral for counter-guarantee, he must provide the original and photocopy of the real estate license or securities in quintuplicate, and return them to the original after verification;

(2) If the loan applicant chooses a natural person as a counter-guarantee, the staff of the financial allocation unit in this district or the employees of enterprises and institutions participating in social insurance in Panyu area, who have a fixed monthly income of more than 2,000 yuan, shall provide proof of income, insurance information, original and photocopy of ID card in quintuplicate, and return the original after checking.

Note: The counter-guarantor must go to the street (town) labor security service center with the borrower to personally sign for the guarantor.

(5) Relevant certificates of partnership operation (such as capital verification certificate or ownership certificate of capital contribution, etc.) if applying for partnership operation. ) and provide information on the participation of other partnership operators in quintuplicate.

(6) Applicants who meet the requirements for exemption from counter-guarantee shall provide the originals and photocopies of relevant supporting documents in quintuplicate respectively, and the originals shall be returned after being verified.

The above copies should be made on A4 paper.

(two) recommended by the street (town) labor and social security service center.

(three) the district labor and social security department review.

1. District Labor and Employment Service Management Center reviews the application conditions, loan purposes and counter-guarantee ability of the lender recommended by the street (town) Labor and Social Security Service Center, and confirms the projects with lower profits.

2, after examination, in the "application" on the relevant columns of comments (if the business project is a low-profit project, should also be added "low-profit project" comments), and stamped with the official seal.

3. The District Labor Employment Service Management Center will send the approved materials to the guarantee institutions.

(four) after the loan guarantee institution has reviewed and promised to guarantee, it will send the loan to the handling bank for verification.

(5) The loan shall be released after being verified by the loan handling bank.

Business consultation telephone numbers: 8469 1993, 84692963.