What is a commercial secured loan? Venture guarantee loan is a loan business that is funded by the government to set up a guarantee fund, entrust a guarantee institution to provide loan guarantee, which is issued by the handling commercial bank and subsidized by the finance to solve the problem that self-employed people who meet certain conditions are engaged in self-employment or expand the reproduction of labor-intensive small enterprises. Its main purpose is to support entrepreneurship and promote employment. Who is the target of applying for a business start-up guarantee loan? The target of applying for business start-up guarantee loan is: those who are engaged in low-profit projects within the legal working age (excluding industries restricted by the state and profiteering industries such as construction, entertainment, advertising, sauna, massage, Internet cafes, oxygen bars, etc.), who are honest and trustworthy and start their own businesses, can apply for business start-up guarantee loans from the business start-up guarantee loan institutions of local social departments. Specifically, it includes registered unemployed people in cities and towns who meet the prescribed conditions, people with employment difficulties (generally those who are older, disabled, enjoy the minimum living guarantee, have been unemployed for more than one year, and are difficult to achieve employment due to land loss and other reasons), retired soldiers, ordinary college graduates within two years of graduation, entrepreneurs returning home, and released prisoners. What conditions do you need to apply for a business guarantee loan? The following conditions must be met simultaneously:

(1) The business projects engaged in must comply with the relevant national laws, regulations and policies;

② Except for the student loan, poverty alleviation loan and the first housing loan, the applicant and his family members (household as a unit) have no loan records of other commercial banks;

(3) registered by the industrial and commercial department (the application for secured loans for planting and aquaculture operations does not need to be registered by the industrial and commercial department, but it needs to be approved by relevant departments); Having a fixed business place and certain self-owned funds; Self-raised funds shall not be less than 40% of the funds required for the project; No bad record and good credit; In principle, we should pass entrepreneurship training.

What's the amount of business guarantee loan? The maximum amount for an individual to apply for a business guarantee loan is 654.38+10,000 yuan; Enterprises run by qualified personnel in partnership can issue loans within the per capita quota of 654.38+10,000 yuan, with a maximum of 500,000 yuan; Enterprises that are organized to start businesses can provide loans with a per capita quota of less than 65,438+10,000 yuan, with a maximum of 500,000 yuan, according to the number of people who meet the requirements for personal loans; Qualified labor-intensive small enterprises can reasonably determine the loan amount according to the actual number of employees, and can apply for a business guarantee loan of no more than 2 million yuan from the business guarantee loan undertaking bank. What are the conditions for a partnership to declare a business guarantee loan? An enterprise operated by qualified personnel in partnership refers to a small enterprise or organization that is established by two or more qualified personnel in partnership after voluntary consultation, and has been approved and registered by the administrative department for industry and commerce, and has a legal and valid business license and a clear enterprise leader or legal representative. The person in charge or legal representative of the enterprise shall be an employee who meets the loan conditions. The business projects engaged by institutions must comply with the relevant laws, regulations and policies of the state, and the self-raised funds shall not be less than 40% of the funds needed for the project. What information does a partnership need to apply for a business guarantee loan? Identification certificate of the legal representative or partner of the enterprise (employment and entrepreneurship certificate or employment and unemployment registration certificate, university diploma, demobilized military personnel certificate, disability certificate, released from prison certificate, land-lost farmer certificate, returning farmer certificate) and shareholders' agreement; Business license and entrepreneurship training certificate; Loan application, project plan, business premises lease contract; Husband and wife's ID card, household registration book, marriage certificate and other information required by the bank. The above information should be original, and two copies should be kept. What are the requirements for organizing employment enterprises to apply for business guarantee loans? Organized employment enterprise refers to an employment entity established by two or more people who meet the requirements of personal loans through voluntary negotiation and in the form of organized employment to attract those who meet the requirements of personal loans to find employment and re-employment. Sign a labor contract with a person who meets the requirements of the business guarantee loan for more than 1 year, and pay various social insurances for him. The business projects engaged by institutions must comply with the relevant laws, regulations and policies of the state, and the self-raised funds shall not be less than 40% of the funds needed for the project. What information does an organized employment enterprise need to apply for a business guarantee loan? Household registration book, identity card and identity category certificate of the legal representative of the enterprise; Loan application, project plan and business license; Proof of identity category of recruiter, roster of newly recruited employees, and labor contract; Proof of paying basic old-age insurance, medical insurance, industrial injury insurance and unemployment insurance premiums for employees; Payrolls for the last two months, enterprise capital verification reports, articles of association or partnership agreements, bank accounts and financial statements for the last two months. The above information should be original, and two copies should be kept. What information do labor-intensive small enterprises need to apply for discount on business guarantee loans? Business license, legal person's household registration book and identity card; Legal person and new employee's employment and entrepreneurship certificate or employment and unemployment registration certificate, university diploma, retired soldier's certificate, land-lost farmer's or returning home to start a business certificate, and certificate of release from prison; Loan application and project plan; The list of newly recruited employees of the enterprise in that year and the labor contracts signed by relevant employees; Vouchers of wages paid to employees (total wages for two consecutive months) and vouchers of basic old-age insurance, medical insurance, industrial injury insurance and unemployment insurance premiums paid by enterprises for employees; Capital verification report and articles of association. The above information should be original, and two copies should be kept. How long is the term of the risk guarantee loan? The longest financial discount period of business guarantee loans is 2 years. If the borrower proposes to extend the loan at the maturity and meets the conditions for loan extension, the commercial bank may extend it once in accordance with the relevant regulations with the approval of the venture guarantee lending institution, and the extension period shall not exceed 1 year (the extension period shall not be subsidized). Borrowers with good credit record, timely repayment and good loan use efficiency can be given a second loan with a maximum loan period of 2 years (the second loan is not subsidized). Do you need to repay and pay interest for the business guarantee loan? Need to repay the principal. Personal loans, partnership enterprises, and organizational employment enterprise loans only need to repay the principal and be fully subsidized by the government; Loans for labor-intensive small enterprises are subsidized by the finance at 50% of the benchmark loan interest rate announced by the People's Bank of China for the same period, and the rest of the interest is paid by the enterprises. What's the interest rate for the extension of the business guarantee loan and the second loan? Personal loans, partnerships, employment organizations, loan extensions, and secondary loans need to pay their own interest. The interest rate shall not rise by more than three percentage points on the basis of the benchmark interest rate of loans for the same period published by the People's Bank of China. What is the counter-guarantee of venture loan? Why take counter-guarantee measures? Counter-guarantee refers to the guarantee provided by the loan applicant to the guarantee institution in a way recognized by the guarantee institution (providing counter-guarantor or local real estate) in order to obtain the loan guarantee. It is emphasized that counter-guarantee measures are not the source of repayment, but the guarantee to ensure the timely recovery of loans, especially for borrowers who maliciously default on loans, and their application is directly related to the recovery effect of loans. Can property that does not belong to the borrower be used to provide counter-guarantee? Of course. The couple who need the property owner agree to use the property as collateral and sign an agreement with the bank.