Product description: loans granted to solve the problem of insufficient self-owned funds in the process of self-employment.
Clients: small and micro business owners, merchants, registered unemployed people in cities and towns, demobilized soldiers, college graduates, returning migrant workers, new agricultural business entities, etc. Focus on supporting innovative and entrepreneurial projects in emerging industries such as eco-cultural tourism, agricultural product production and processing, new energy, new materials, biomedicine, electronic information, trade and logistics, which meet the requirements of characteristic economy, good economic and social benefits and meet the requirements of current credit investment policies. Product features: Enjoy preferential interest rates, and eligible applicants can apply for government assistance (discount interest) to provide comprehensive financial services.
Product elements: the loan period does not exceed 3 years; Personal human loans do not exceed 500,000 yuan, and corporate loans do not exceed 2 million yuan; The annualized interest rate of the loan is 6.35% (simple interest), and you can enjoy the loan discount at the government's annualized interest rate of 4%.
Access conditions: 1. Individual customers should have Xupu household registration, have full capacity for civil conduct, age 18 to 40 years old, have no bad credit record, and be independent in innovation and entrepreneurship; 2, enterprises (or individual industrial and commercial households, farmers' professional cooperatives, family farms, etc ... ) It must be registered by the industrial and commercial registration and the annual inspection is valid; 3 individuals, enterprises and related personnel have no bad credit records, good social reputation, and standardized production and operation; 4. Other conditions required by rural commercial banks.