Now more and more women start businesses, so what are the conditions for women to apply for interest-free loans? What is the process of women's entrepreneurial loans?

Conditions and application process of interest-free loans for women's entrepreneurship I. Conditions for women's entrepreneurship to apply for interest-free loans

1. The loan applicant and industrial and commercial registration are the same person;

2. Applicants must be local entrepreneurs, aged between 18 and 55, healthy, honest and trustworthy;

3. The sum of the borrower's age and the loan term shall not exceed 60 years old;

4. No bad credit records or major violations of laws and regulations;

5. It has a fixed business place, its business projects meet the requirements of the state, its business scope meets the scope of business license registration, and it has passed the annual inspection;

6. Being able to provide a guarantee recognized by the bank;

7. Having no less than 30% self-raised funds;

8. Business activities involving loans have started;

9. The operating conditions can guarantee the timely repayment of loans;

10. Other conditions deemed necessary by the bank.

Second, the application process of interest-free loans for women's entrepreneurship

1, application conditions for interest-free loans for female entrepreneurs:

(1) The borrower is registered as a female of legal working age;

(2) The borrower needs to have a specific business project and business license;

(3) The borrower's loan funds shall be used to engage in agricultural production, industry and service industries whose development is not restricted by the state;

(4) The borrower has no bad record and can provide guarantee or real estate mortgage guarantee;

2, women's business interest-free loan application materials:

(1) business commencement certificate (registered by the industrial and commercial department and passed the annual inspection, its industrial and commercial registration people are the same as the lender; Individuals engaged in taxi business, passenger transport and freight transport must issue the borrower's own vehicle driving license and operating license.

(2) Lease or contract operation, a lease or contract letter with a loan term not shorter than the loan term shall be provided).

(3) Employment certificate: (one of employment unemployment registration certificate, ex-servicemen preferential card or self-employment certificate, college diploma; SIYB training certificate), in Yichang City Labor and Employment Administration (No.40 Huancheng North Road, Yichang City, window 12) to receive the "Yichang Small Guaranteed Loan Declaration Form" and "Hubei Province Small Profit Project Financial Loan Audit Form", fill in and implement the guarantee method according to the regulations, and provide relevant information for declaration.

3. The borrower is not engaged in any other work or business activities except the loan project.

Third, how to apply for interest-free loans for rural women's entrepreneurship

1. Having a registered permanent residence in this province (or starting a business in a county, city or Yiling District, please contact the local labor and employment administration), being in good health, honest and trustworthy, having certain labor ability and skills, self-employed, starting their own business or cooperating with organizations, and having insufficient self-raised funds within the legal working age. At the same time, operating a project must meet the following conditions:

(1) has been registered in the industrial and commercial department and passed the annual inspection, and its application from industrial and commercial registration is consistent with that from the lender;

(2) Having a fixed business place (individuals engaged in taxi business, passenger transport and freight transport must issue the borrower's own vehicle driving license and operation certificate). If it is a lease or contract operation, it is necessary to provide a lease or contract that is not shorter than the loan period;

(3) Abide by relevant national policies, regulations and laws; Special industries need to provide business licenses (or qualification certificates) issued by relevant departments, and industries restricted by the state: construction, entertainment, advertising, sauna, massage, Internet cafes and oxygen bars will not be accepted:

(4) Persons with good credit, no bad record, repayment ability and counter-guarantee ability can apply for small secured loans in Yichang Labor and Employment Administration Bureau. The loan amount is 20,000-80,000 (the maximum loan amount for female entrepreneurs is 80,000; The maximum loan amount for male entrepreneurs is 50,000), and the loan period is 2 years, with full discount.

Four, the required information to prove that:

1, business start-up certificate (registered by the industrial and commercial department and passed the annual inspection, its industrial and commercial registration people are the same as the lender; Individuals engaged in taxi business, passenger transport and freight transport must issue the borrower's own vehicle driving license and operating license.

2. If it is a leasing or contracting business, a leasing or contracting contract with a loan term not shorter than the loan term shall be provided).

3. Employment certificate: (one of employment unemployment registration certificate, preferential card for demobilized veterans or self-employment certificate and college diploma; SIYB training certificate), in Yichang City Labor and Employment Administration (No.40 Huancheng North Road, Yichang City, window 12) to receive the "Yichang Small Guaranteed Loan Declaration Form" and "Hubei Province Small Profit Project Financial Loan Audit Form", fill in and implement the guarantee method according to the regulations, and provide relevant information for declaration.

Tips for verbs (abbreviation for verb):

1. Loan is a form of credit that lends money according to interest rate and repayment terms. Lenders are divided into banks and various credit institutions. The types of loans are personal loans, auto loans, housing loans, provident fund loans, consumer loans, credit loans and unsecured loans.

2.20 13 specific positioning of the latest loan interest rate:

(1) Short-term loans from six months to one year are: within 0.80 days (including 1.80 days)1.65438+5.6%; 2. 180 days to 365 days (inclusive) 6%.

(2) The medium and long-term loan interest rate for one to five years or more is: 6. 15% for one to three years (inclusive), 6.4% for three to five years (inclusive) and 6.55% for five years or more.

3. In response to the national call for personal credit reporting, Kuaiyi Loan advises users to abide by the credit reporting requirements and relevant laws, so as not to affect the credit of loans and credit card applications.

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