First, it must have a business license, a fixed business place and more than 30% of its own funds;
Second: the business projects it is engaged in must conform to the relevant national policies and have the ability to repay loans;
Third, there are assets recognized by the undertaking bank as collateral, or units or individuals with sufficient compensation capacity as guarantors;
Fourth, 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.
Two: loan procedures
Laid-off workers or partnership enterprises to apply for loans, should hold relevant information to the neighborhood committee or enterprise to apply, fill in the "XX re-employment microfinance application approval form". After verification, those who meet the loan targets and specified conditions are recommended to the re-employment microfinance credit guarantee center. After preliminary examination, the situation is true and reported to the Municipal Re-employment Office. After the approval, the complete set of materials will be submitted to the undertaking bank for review. If the materials pass the review, the applicant will go directly to the undertaking bank to handle the loan-related procedures. The undertaking bank shall declare its consent according to the relevant loan approval procedures, complete the mortgage registration or pledge payment stop procedures, and issue loans after the guarantor is implemented.
Three: loan amount
The amount of small secured loans is controlled at 40% of the total investment. Generally, it is 50,000 yuan, the highest is 80,000 yuan, and the highest is 65,438+10,000 yuan for college graduates. The term is 2 years, and it will not be extended when it expires. Industries restricted by the state, such as construction, entertainment, real estate sales, land use right transfer, advertising, housing agency, sauna, massage, Internet cafes and oxygen bars, may not apply for small secured loans.
Summary: The conditions are still harsh. If it is a small amount, it is better to apply for a large credit card directly!