1, unemployed. Employment and unemployment registration certificate issued by human resources and social security departments at all levels (hereinafter referred to as human society departments);
2. Demobilize veterans. Valid certificates for military personnel to retire from active service and employment and unemployment registration certificates issued by the human and social departments.
3. University graduates. Graduation certificates of ordinary universities, secondary vocational schools and technical schools and employment and unemployment registration certificates issued by the human and social departments.
4. Disabled people. Disability certificate and employment unemployment registration certificate issued by the human society department.
5. Migrant workers who return home to start businesses. Proof of going out to work issued by the labor and social security institution of the township (street) where the household registration is located.
6. Self-employed women in urban and rural areas with entrepreneurial aspirations. Certificate of integrity of the village committee and neighborhood committee where the household registration is located;
7. Partnership. Partnership agreement or articles of association of the persons mentioned in 1 to 6;
People who meet the above conditions can apply for interest-free loans from banks.
Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.
"Zero interest rate" is a loan contract reached between banks and individuals or organizations through mutual trust.
Application process:
1. Individuals apply for registration and fill in loan approval materials.
2, the guarantee center is responsible for the loan applicant and business projects.
3, the guarantee center to determine whether to grant loans and loan quotas.
4, the guarantee center audit summary report
5. Luoyang Guarantee Center and banks inquire about the credit information system and approve loans.
6. The guarantee center informs the applicant to fill in the loan contract.
7, guarantee center review summary report
8. Loans issued by Luoyang Guarantee Center and banks.
9. The guarantee center informs the applicant to collect the passbook.