Application materials for personal business guarantee loan: loan application, employment unemployment registration certificate or migrant workers' return home business certificate, ID card and spouse ID card, household registration book, marriage certificate, site lease contract and property certificate, personal credit report, bank card flow in the last six months, purchase and sale contract documents in the last three months, etc.
Application materials for small and micro enterprises' business start-up guarantee loan: loan application form, legal representative and spouse's ID card, household registration book, marriage certificate, site lease contract and property certificate, enterprise commitment letter that employees have not been owed wages, enterprise profile, salary table for the last two months, proof of family assets of enterprises and legal persons, etc.
Lenders need to go to the sub-district office to issue relevant certificates, then go to the local employment service bureau for review, and then apply for secured loans after bank review.
When the bank is audited, it will conduct a household survey, and when the bank is approved, the bank will issue loans. After the bank lends money, the Employment Service will allocate a discount.