1. The loan applicant must have legal and valid identity certificate and legal residence certificate at the place where the loan bank is located, and have a fixed residence or business premises. 2. The loan applicant must be 18-50 years old. You must be unemployed for 6 months before you can apply. 4. You must go through the relevant formalities at the labor and social security department where the household registration is located, and register for employment and unemployment. You can apply for a small secured loan with this certificate (copy is also acceptable), tax registration certificate and store lease contract at the social security bureau where your account is located. The applicant's investment projects require him to have some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising. 6. The loan applicant must open a settlement account in the bank where the loan is made, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity. 7. Loan secured loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge and third-party guarantee. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans. 8. Other loan conditions stipulated by the relevant lending bank. One; Application materials required by the loan applicant: 1. Identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status; 2 personal or family income and property status and other repayment ability documents; 3. Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes; 4. Guarantee materials: the ownership certificate and list of the collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the mortgage (pledge) evaluation report issued by the evaluation department recognized by the bank. Second; Loan repayment method: 1. For personal business loans with a loan term of less than one year (including one year), the principal and interest will be repaid once at maturity, and the profits will be paid off with the principal. 2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties. Third; Loans refer to the monetary funds provided by state commercial banks and other financial institutions to borrowers to repay the principal and interest at the agreed interest rate and time limit. Loans can be divided into short-term, medium-term and long-term loans, credit and secured loans according to whether there is guarantee or not, rural industrial and commercial loans and consumer loans according to loan objects and purposes, and personal housing commercial loans, personal housing provident fund loans and personal housing portfolio loans according to individual loan types. In accounting treatment, the loan of an enterprise can be accounted for by "short-term loan" or "long-term loan" according to the length of the loan period, and then the loan interest can be accounted for by "interest payable".
Second, the country took the lead in piloting flexible employees in Chengdu to pay housing provident fund.
The country took the lead in piloting flexible employees in Chengdu to pay housing provident fund.
Public trust. Com Chengdu July 16 (Zhu Huan Tang Yan) The working meeting of flexible employees in Chengdu to participate in the pilot housing provident fund system was held on July 16. At the meeting, the Administrative Measures for Establishing the Pilot System (hereinafter referred to as the Administrative Measures) was officially released, and the administrative measures will be implemented on August 16.
The "Administrative Measures" clarified the flexible employment system for self-employed, part-time employees and new employees who have reached the age of 16 but have not reached the age of 65 within the administrative area of Chengdu.
According to reports, Chengdu, as one of the first four pilot cities in China, is also the second country to issue a document and take the lead in launching the pilot. The "Administrative Measures" will achieve full coverage of about 3 million flexible employees in the legal sense and better support flexible employees to live and work in Chengdu.
The "Administrative Measures" pointed out that when applying for account opening registration, flexible employees should sign a deposit agreement with Chengdu Provident Fund Center to stipulate their rights, obligations and liabilities for breach of contract. Considering the flexible and fixed reality, the "Administrative Measures" also clarified that the payment method is inconvenient and can be paid all the time.
The "Administrative Measures" mentioned that the standard of giving 0.5%-1% to the funds in depositors' accounts with a storage time of 1 year is 0.75%, and the total subsidy enjoyed by each depositor does not exceed110,000 yuan.
Flexible conditions can apply for provident fund low-interest loans, the lowest interest rate is only 3.25%. The balance of flexible employment payment in Chengdu can be transferred to Chengdu, and the storage time for calculating the loan amount and deposit subsidy is calculated from the date of transfer.
In addition, the housing provident fund paid by flexible employees can also be taxed in accordance with the unified tax policy stipulated by the state.
3. How do flexible employees apply for business start-up loans?
To apply for a business guarantee loan, the following conditions shall be met:
A) Being honest and trustworthy within the legal working age, registered unemployed people in cities and towns, landless farmers, people with employment difficulties (including the disabled), demobilized veterans, released prisoners, college graduates (including university student village officials and returned students), workers and unemployed people from enterprises with overcapacity, migrant workers returning home to start businesses, online merchants, poor people with established files, entrepreneurs with master's or doctoral degrees, universities and scientific research institutes, etc. are allowed to start their own businesses.
B) Economic entities that meet the above conditions and are organized for employment and entrepreneurship, legally operate and have some idle funds, and absorb labor-intensive small and medium-sized enterprises that meet the above conditions and meet the specified requirements;
C) The applicant is in a state of self-employment and has not been employed in a government agency, enterprise or institution at the time of self-employment;
D) Have a business license (college graduates can rely on a business plan);
E) The business address is in Xiangyang.
Fourth, how to apply for a commercial loan?
Going to the bank for a loan can be roughly carried out as follows: 1. Prepare materials. Individuals should first prepare the materials needed to borrow from the bank, which generally include loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse's ID card and household registration book should also be provided). If it is a customer with a mortgage loan, it is necessary to issue a property certificate of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record. 2. apply. After preparing the relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank, and submit the relevant materials to the bank for review. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties. 3. Payment review. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and the fees charged. 4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. Then there is a bank loan.