Persons holding "Re-employment Concession Card"; Demobilized urban veterans with valid certificates of discharge from active service; All kinds of unemployed people in cities and towns who hold the Employment Unemployment Registration Certificate.
Second, the loan amount and duration
The borrower is self-employed, and the maximum secured loan for self-employment shall not exceed 50,000 yuan; The loan amount for women can be increased to 80,000 yuan, of which the maximum loan amount for women to organize for employment is 6,543,800 yuan; The maximum loan amount for college graduates is 654.38+10,000 yuan. The term is no longer than two years, of which the loan period for college graduates is three years.
Three. Materials to be submitted (all copies shall be in A4 white paper)
(1) Personal application (guarantee method is guarantor)
1. Qualification form for small secured loan in triplicate;
2 "Re-employment Concession Certificate" or "Employment Unemployment Registration Certificate" or a valid certificate of military personnel leaving active service (with "Employment Unemployment Registration Certificate") in triplicate;
3. The applicant's urban residence booklet (home page and personal page), resident ID card, married borrower's spouse ID card, residence booklet and marriage certificate in triplicate; Three recent one-inch photos of the applicant;
4. A photocopy of the applicant's business license, and the original and photocopy of the partner's partnership agreement and notarial certificate in triplicate; 5. The guarantor's household registration book (home page and personal page) and the original and photocopy of the resident ID card in triplicate; Three recent one-inch photos of the guarantor;
6. The "certificate of stable income" filled out by the guarantor in triplicate;
7. The original and photocopy of the business premises lease contract or agreement in triplicate;
(2) Individual application (farmers' guarantee)
1. Qualification form for small secured loan in triplicate;
2. The original and photocopy of the employment unemployment registration certificate in triplicate;
3. The applicant's household registration book (home page and personal page), resident ID card, married borrower's spouse ID card, household registration book and marriage certificate in triplicate; Three recent one-inch photos of the applicant;
4. A copy of the applicant's business license (certificate issued by the village committee engaged in planting and aquaculture) and its original in triplicate;
5. Co-guarantor's household registration book (home page and personal page) and the original and photocopy of the resident ID card in triplicate; Three recent one-inch photos of the guarantor;
6. A joint guarantee letter of commitment filled out by the co-insurer in triplicate;
7. The original and photocopy of the business premises lease contract or agreement in triplicate;
(3) Personal application (the guarantee method is real estate mortgage)
1. Qualification form for small secured loan in triplicate;
2 "Re-employment Concession Certificate" or "Employment Unemployment Registration Certificate" or a valid certificate of military personnel leaving active service (with "Employment Unemployment Registration Certificate") in triplicate;
3. The applicant's urban household registration book (home page and personal page), resident ID card, married borrower's spouse ID card, original household registration book, original marriage certificate and its copy in triplicate; Three recent one-inch photos of the applicant;
4. A photocopy of the applicant's business license or the original and photocopy of the partner agreement and notarial certificate in triplicate; 5. The original and photocopy of the marriage certificate, household register (home page and personal page) and resident ID card of the owner, spouse and owner of the house in triplicate; Three one-inch recent photos.
6. The original and photocopy of the real estate license (home page, home page and floor plan) are in triplicate;
7. The original and photocopy of the business premises lease contract or agreement in triplicate;
Iv. loan application procedures
1. Apply to the community labor security station (village committee) where the household registration is located and conduct preliminary examination. After being audited by the street (township) labor security office, it will be reported to the small secured loan counter in the lobby of the Municipal Employment Service Administration for acceptance; After on-the-spot investigation, the Joint Audit Committee will notify the Lender to go through the relevant loan procedures, in which: the guarantee method is that the guarantor goes through the formalities:
2. Lender and guarantor sign counter-guarantee contract and guarantee contract with guarantee company;
3. The lender and the guarantor shall go to the designated notary office for notarization with the signed contract;
4. Lenders go to designated banks to accept loans.
Among them, the guarantee method is the handling procedure of real estate mortgage:
1. In addition to completing the first item above, the following procedures are required:
2 property owners to the city housing property transaction management center to receive the mortgage contract and to the guarantee company to sign and seal; 3 property owners and * * * people to the city housing property transaction management center for mortgage registration;
4. Submit the real estate license (original) to the guarantee company for retention, and the lender, the property owner and some people will go to the guarantee company to sign the counter-guarantee contract and mortgage contract;
5. The lender, the property owner and the * * * owner shall go to the designated notary office for notarization with the signed contract;
6. Lenders go to designated banks to accept loans.
Verb (abbreviation for verb) loan purpose
Small secured loans are mainly used for borrowers' working capital for self-employment and self-employment, and may not be used for other illegal investment, securities, futures business and lending activities unrelated to employment.
Sixth, the processing time limit
The state stipulates that the working time limit for small secured loans is 25 working days.