1. How much money can I apply for for the interest-free loan of Shenzhen Entrepreneurship Subsidy? Do I have to pay the interest myself?

In 2020, Longgang District will provide 15,000 start-up subsidies for start-ups. Other districts will cancel district-level subsidies in Longgang.

In 2021, Guangdong Province will cancel social security subsidies in entrepreneurship subsidies, and some in Shenzhen City

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In 2021, Longgang District launched the Shenzhen Division. You cannot apply for unemployment registration and re-apply for the company to apply for entrepreneurial subsidies!

The annualized rate of entrepreneurial loans in 2019 and 2020 is 4.021 The annualized rate of entrepreneurial loans

Shenzhen has given you some experience summaries from three years of entrepreneurial subsidy and discount loans:

First: Never

The above-mentioned brief data proves that the earlier you apply for an entrepreneurial subsidy or an entrepreneurial loan, the simpler the process will be and the higher the amount will be! For example, 20 years ago when Longgang was founded, the number was 15,000. In 2021, only 10,000 was applied for!

Second: Don’t be afraid of trouble if you want to apply

Although each district requires different street information, the information that needs to be prepared for business subsidies actually comes and goes in all cases. There are only more than 20 pieces of information required. As long as you meet the requirements, please patiently cooperate with us to sort out the information. Besides, there are professionals who will know!

Also, don’t argue with the window staff! Because there are document requirements, if you don’t bring all the documents required by the work team, you will be teased every time you apply for it

Third: What you need to know when registering a company

< p>Currently, when renting a venue without an address, the first choice is a municipal incubation base or a venue with a red book rental certificate as the registered address. The subsidy for this kind of venue is 600 per year

If you are a Shenzhen household, you will get a business subsidy And loans, it is no longer possible to register for unemployment. Before re-registering a regional company, you must first apply and you can’t get it!

Fourth:

When applying for the Shenzhen Entrepreneurship Subsidy, a company that only hires personnel must be present for verification at the same time. If the company has 7 shareholders, 7 must be identified. Don’t go to three today and four tomorrow. If you don’t know the individual validity, the subsequent shareholders won’t be able to get a single subsidy!

Fifth: Things to note when applying for a loan

Similar to identity verification, applying for a subsidized loan is also necessary. 7 people, as long as one person submits the application first, then the remaining six people cannot apply again

Sixth: Something about social security

The company’s social security holders who apply for entrepreneurial subsidies must It must be opened before the 20th of the month, and the people who need to pay social security have been added, so that social security can be deducted that month, and identity verification can be done the next month, otherwise you will have to wait an additional 30 days;

< p>Seventh: Know early in the bank inspection

Personal bank cards and public bank accounts should not be too small; it is best to have a salary agency for public accounts;

Company applicants’ academic qualifications and fixed assets , registration time, number of employees, and industry experience are all scoring indicators~Personal

Don’t wander around during on-site inspections! You should answer questions fluently about your entrepreneurial projects and plans, and be confident when asked about the source of repayment; the bank's account manager will have to write a report when you go back, so answer their questions as comprehensively as possible to have confidence in your business success!

Okay, these are some personal summary experiences, I hope it can help more entrepreneurs! Goodbye!

2. What are the conditions for interest-free loans? What is an interest-free loan?

Most bank loans now have relatively high interest rates, which has increased people’s repayment pressure to a certain extent. Now that interest-free loans are available, many people hope to apply for interest-free loans, but the conditions for interest-free loans are relatively strict. Therefore, you must understand the loan conditions before applying. Next, let’s take a look at what are the conditions for an interest-free loan? What is an interest-free loan?

No matter what the situation is, when people apply for a loan, they hope that the interest rate of the loan is as low as possible. However, most bank loan interest rates are relatively high now, which has increased people’s interest to a certain extent. repayment pressure. Now that interest-free loans are available, many people hope to apply for interest-free loans, but the conditions for interest-free loans are relatively strict. Therefore, you must understand the loan conditions before applying.

Next, let’s take a look at what are the conditions for an interest-free loan? What is an interest-free loan?

What are the conditions for an interest-free loan?

1. Must be a Chinese citizen. Applicants for personal interest-free loans must be over 18 years old and no more than 45 years old. They must be Chinese citizens with full capacity for civil conduct. Foreigners cannot apply.

2. Have a stable address, a local permanent residence address, that is, a fixed residence, and a household registration in this city. In other words, if an applicant wants to apply for an interest-free loan, he or she needs to apply at the place of residence.

3. The credit report is good. Applicants for interest-free loans have good credit and repayment ability, have stable jobs and income, and have no bad credit records. Interest-free loans are different from other loans in that they require guarantees and guarantor guarantees.

4. The purpose of the loan, this is the key to the conditions of the interest-free loan. If the purpose of the loan is for project construction or self-employment, then the project is feasible and conducive to the good economic development of the society and has Good social and economic benefits.

What is an interest-free loan?

1. Student loans

Student loans are interest-free while college students are studying in college (except for commercial student loans). After the borrower graduates, loan interest will accrue based on the base interest rate in September of the year of graduation.

2. Entrepreneurship Loans

Most of the entrepreneurial loans are interest-free or subsidized. Borrowers can enjoy the subsidized interest policy for about 2 years for a longer period of time. Even if the business loan accrues interest in the future, the interest rate will not fluctuate much from the base interest rate. The specific regulations on entrepreneurial loan interest are related to local policies.

3. Bank mortgage loan

Compared with other loans, bank mortgage loan interest rates have never been very high. For example, for a mortgage loan to buy a house, the interest is usually only calculated after a small floating interest rate based on the base interest rate.

4. Other loans

When encountering lending institutions doing activities, there are also some other loans with very low interest rates. This requires borrowers to pay more attention to the promotional activities of lending institutions.

What are the conditions for an interest-free loan? What is an interest-free loan? I have made a detailed introduction in the above article. I believe everyone should be aware of the conditions for interest-free loans. The loan conditions are relatively easy to meet, but you must also choose a loan method that suits you, so that it will be easier to pass. Although interest-free loans have relatively low interest rates, the procedures are more complicated. Therefore, you must prepare this information before applying.

3. What are the application standards for interest-free loans in 2021?

1. Application conditions: College graduates or above; unemployed for more than 6 months after graduation, and registered as unemployed with the local labor and social security department.

2. Loan period: The small entrepreneurial loans provided by the state to college graduates are government subsidized loans with a term of 1 to 2 years. After 2 years, they will no longer enjoy financial discounts.

3. Loan methods: The methods for college graduates to start their own businesses are guaranteed and mortgage (pledge) loans.

4. For relevant instructions and specific operation methods, please consult the local Labor and Social Security Bureau. In addition, there are other preferential policies for college students to start their own businesses. For example, those who are self-employed will be exempted from industrial and commercial registration and management administrative fees for one year; those who start their own businesses and are self-employed can also keep their household registration files in the municipal university. Employment guidance service center for college graduates. For specific policies on self-employment of university graduates, the relevant departments should be consulted.

5. Application materials When applying for this type of loan, there are three important points:

First, the loan applicant must have a fixed residence or business place.

Second, business license and operating permit, stable income and the ability to repay principal and interest;

The third and most important point is that the projects invested by entrepreneurs have already Have certain own funds.

Only those who meet the above conditions can apply to the bank. The information required when applying mainly includes: proof of marital status, personal or family income and property status and other repayment ability documents; relevant agreements on the purpose of the loan. , contract; guarantee materials, ownership certificates and lists involving collateral or pledges, and mortgage (pledge) valuation reports issued by the bank's recognized appraisal department.

In addition to written materials, there must be collateral.

There are many types of mortgages, including movable and real estate mortgages, time deposit certificate pledges, securities pledges, highly liquid movable assets pledges, and qualified guarantor guarantees. The amount of payment is determined based on the specific guarantee method. Amount requirements: Entrepreneurship loan amount requirements are generally: no more than 70% of the total funds required for the borrower's normal production and operation activities, purchase (installation or repair) of small equipment (machines), and franchise chain operations; the term is generally 2 years , the maximum term shall not exceed 3 years, of which the maximum term for production and operating working capital loans is 1 year; personal entrepreneurship loans shall comply with the term loan interest rate promulgated by the People's Bank of China, and may fluctuate up or down within the prescribed range