The following conditions need to be met:

1, age 18 to 45 years old, China citizen with full capacity for civil conduct;

2. Have permanent residence and fixed residence in this city;

3. Have the ability to repay interest-free loans on schedule and provide guarantors;

4. Good reputation and no bad records;

5. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits.

Unemployed people need to bring the following materials when applying for interest-free loans:

1, my valid ID card, household registration book and marriage certificate;

2, township business certificate, employment and unemployment registration certificate, military retirees self-employment certificate or college graduates certificate;

3. Entrepreneurship training certificate;

4 business license, breeding certificate, business site lease contract (agreement) or other valid qualification certificates of business projects;

5. If it is a partnership enterprise, it shall provide the partnership enterprise certificate issued by the administrative department for industry and commerce or the civil affairs department. To absorb the registered unemployed in this county, provide relevant information (labor contract, social insurance payment list);

6, the guarantor of both husband and wife "identity card", "household registration book", proof of work unit;

7, the county security center and the county financial institutions that need to provide other materials.

After preparing the above materials, the applicant applies to the neighborhood Committee community where the household registration is located, and the neighborhood Committee community will recommend it to the local street. If the street passes the examination, the street will submit an application to the local employment department, which will then examine it and send it to the loan financial institution. If successful, the institution will inform the applicant to go through the loan procedures and issue the loan.

Second, postal savings.

Introduction: Postal savings business is a loan product for farmers and merchants (small business owners) launched by China Postal Savings Bank. Farmers are short-term loans issued to farmers to meet their agricultural planting, breeding or production and operation needs. Businessmen refer to loans granted by private entrepreneurs (including sole proprietorships, partnership partners and individual shareholders of limited liability companies). ), individual industrial and commercial households, urban self-employed households and other small business owners engaged in production and trade in urban and rural areas to meet their production and operation capital needs. Business Type ◆ Farmers' Joint Guarantee Loan: It means that 3 to 5 farmers form a joint guarantee team and can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each household is temporarily 50,000 yuan. ◆ Farmers' guaranteed loan: refers to farmers. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 50,000 yuan. Merchant joint guarantee loan: refers to a joint guarantee team composed of three individual industrial and commercial households with business licenses or owners of sole proprietorship enterprises, who can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). ◆ Merchant-guaranteed loan: refers to individual industrial and commercial households or sole proprietors with business licenses. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as their loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). For the process, the borrower only needs to form a joint guarantee team or find a guarantor and bring his ID card. If a merchant needs to carry a business license, he/she shall apply to the opened outlets and accept the investigation and approval. You can get a loan after signing the contract, and the loan period is within 3 days at the earliest (after signing the contract). The shortest term is 1 month and the longest term is 12 months. Loan customers can choose the loan term independently according to their own production and operation cycle and repayment ability. For the joint guarantee loan, the term of the joint guarantee loan agreement is 2 years, and the application date and maturity date of the loan must be within the validity period of the joint guarantee agreement. Materials (1), 1, the original and photocopy of the borrower's valid identity document (2), the borrower's local permanent residence or proof of having lived in the local area for one year. (3) Customers applying for merchant loans must provide business licenses that have passed the annual inspection. Engaged in licensed business, it shall provide the original and photocopy of the business license of the relevant administrative department. (4), the borrower engaged in production and business activities, must provide proof of property rights of the business premises or lease contract (5), involving the guarantee of natural persons, should submit the original and photocopy of the guarantor's ID card, proof of work unit or income, and the guarantor's written commitment to provide guarantee (the current products do not need to be issued, just sign a joint guarantee agreement and a guarantee contract); Where mortgage or pledge is involved, it is necessary to provide the ownership certificate of mortgage or pledge right and the written certificate that the authorized person agrees to mortgage (pledge). (6) If the business license has been applied for less than three months, but it has been in normal operation for more than three months, and the operation is in good condition, relevant purchase and sale certificates shall be submitted. (7) Other materials required by the lender. Repayment method ◆ One-time repayment method of principal and interest ◆ Equal repayment method of principal and interest ◆ Installment repayment method (only interest will be repaid during the grace period, and the loan will be repaid by equal repayment of principal and interest after the grace period). Remarks: Before the maturity date of the loan principal and interest, the borrower needs to deposit enough funds in the postal savings account where the loan is issued, which will be automatically deducted by the computer system.

Third, the Postal Savings Bank interest-free loan application process?

If you want to apply for an interest-free loan from the Postal Savings Bank, you must first bring relevant information to the Personnel Bureau to apply, and the person in charge of the Personnel Bureau will conduct a preliminary examination and give the application.

4. Is it true that the postal interest-free loan is 200,000 yuan?

The interest-free loan of the Postal Savings Bank is true, but not everyone can apply, but it is a policy loan launched by the government to encourage laid-off employment. Interest-free loans are not really interest-free, and interest is government subsidies. Postal interest-free loans are determined according to whether the local government has introduced interest-free loans.

Personally, it is not so easy to apply for an interest-free loan from the Postal Savings Bank, and the application procedures are relatively complicated. Maybe you have prepared a lot of information, but the interest-free loan has not been approved. Of course, you can consult the bank and find out before applying.

It is understood that many bank loans now need to be mortgaged. If there is no mortgage, the loan interest rate is relatively high. Of course, bank loans are more cost-effective than online loans. After all, interest rates are lower. If you are short of money, it is not recommended that you apply for online loans.