1, loan amount. The maximum amount of business guarantee loans that can be applied for is 200,000.
2. Term of the loan. The longest is not more than 3 years.
3. Loan interest rate. The upper limit of the loan interest rate shall not exceed the loan market quotation price LPR+ 150BP. The specific loan interest rate shall be determined by the handling bank in consultation with the borrower according to the operating conditions and credit standing of the borrower and the borrowing enterprise. For secured loans with a term exceeding 65,438+0 years, the handling bank will independently choose to refer to the quoted interest rate of 65,438+0 or 5-year loans, and clearly stipulate in the loan contract that the financial department will discount the interest according to the LPR agreed in the contract.
4. Number of loans. For borrowers with positive repayment, strong employment promotion ability and good entrepreneurial projects, they can continue to give discount on entrepreneurial guarantee loans, but the cumulative number of times is no more than 3 times.
5. Financial discount. From June+10/October 1 day, 20265438, the borrower will bear the interest of the newly-issued personal business guarantee loan which is lower than the loan market quotation price LPR- 150 BP, and the rest will be subsidized by the finance.
6. Guarantee and counter-guarantee. Make good use of the living venture guarantee loan fund to provide guarantees for eligible loan individuals and small and micro enterprises. From April 15, 2020, new personal business guarantee loans of 654.38 million yuan and below, as well as entrepreneurial projects and enterprises, small and micro credit enterprises, merchants, farmers, and second-time entrepreneurs with stable and trustworthy operations recommended by the national business incubation demonstration base or credit union district will be exempted from counter-guarantee requirements; The counter-guarantee requirement can be waived for qualified college graduates who apply for personal business guarantee loans with a quota not exceeding 200,000 yuan.
Second, small and micro enterprises.
1, loan amount. The handling bank shall reasonably determine the number of qualified employees according to the actual situation of small and micro enterprises, with a maximum of 3 million yuan.
2. Term of the loan. The longest is no more than 2 years.
3. Loan interest rate. The upper limit of the loan interest rate shall not exceed the loan market quotation price LPR+ 150BP. The specific loan interest rate shall be determined by the handling bank in consultation with the borrower according to the operating conditions and credit standing of the borrower and the borrowing enterprise. For secured loans with a term exceeding 65,438+0 years, the handling bank will independently choose to refer to the quoted interest rate of 65,438+0 or 5-year loans, and clearly stipulate in the loan contract that the financial department will discount the interest according to the LPR agreed in the contract.
4. Number of loans. For small and micro enterprises with positive repayment, strong employment promotion ability and good entrepreneurial projects, they can continue to provide interest subsidies for entrepreneurial guarantee loans, but the cumulative number of times is no more than 3 times.
5. Financial discount. For the business start-up guarantee loans issued from the date of 202 1, 1, 1, the interest lower than the market quotation of LPR- 150BP loans shall be borne by the borrowing enterprise, and the rest shall be subsidized by the financial department.
6. Guarantee and counter-guarantee. Make good use of the living venture guarantee loan fund to provide guarantees for eligible loan individuals and small and micro enterprises. Starting from April 15, 2020, entrepreneurial projects and enterprises recommended by the National Entrepreneurship Incubation Demonstration Base or Credit Union District, and credit small and micro enterprises recognized by financial institutions may be exempted from counter-guarantee requirements.