applicant

College graduates who are unemployed within 5 years after graduation.

Application conditions

In addition to student loans, poverty alleviation loans, housing loans, car loans, and small consumer loans of less than 50,000 yuan, when the applicant submits an application for a business guarantee loan, I and my spouse should have no other loans.

In that year, the newly recruited small and micro enterprises that met the application conditions for business guarantee loans reached 15% of the existing employees of the enterprise, and signed labor contracts with them for more than 1 year. There is no credit record of serious violation of laws and regulations, such as unpaid wages of employees and unpaid social insurance premiums.

loan limit

Eligible individuals can apply for a maximum loan amount of 200,000 yuan; The maximum amount of secured loans for small and micro enterprises shall not exceed 3 million yuan.

deadline

The term of personal business guarantee loan shall not exceed 3 years, and the term of small and micro enterprise business guarantee loan shall not exceed 2 years.

Borrowing individuals and small and micro enterprises with positive repayment, strong employment promotion ability and good entrepreneurial projects can continue to apply for discount support for entrepreneurial guarantee loans, but the cumulative number of times is no more than 3 times.

Financial discount

For the newly-issued individual and small and micro enterprise start-up guarantee loans from 200211,the interest lower than the loan market quotation LPR 150BP shall be borne by the borrower and the enterprise, and the rest shall be subsidized by the financial department.

Application material

Personal loan: applicant's ID card, application form for business guarantee loan.

Loans for small and micro enterprises: personnel category certificate of qualified newly recruited employees, employee roster, labor contract signed with qualified newly recruited employees, and enterprise salary payment voucher.

Due to the differences in different parts of the province, the application materials of individuals and small and micro enterprises should be based on those published by the human society department in the place where they started their business.

Discount on college students' entrepreneurial guarantee loans.

College students who start a business entity can apply for a discount to the county human resources department where the university is located after obtaining a business guarantee loan with a quota of no more than 654.38+10,000 yuan and a term of no more than 2 years.

Application material

Entrepreneurial college student ID card

After the preliminary examination by the employment service management institution of the county where the university is located and the audit by the human and social departments at the same level, the discount interest funds will be allocated to the entrepreneurial college student loan bank according to the regulations.