In 20 13 years, a small secured loan of100000 yuan enabled Ms. Li of Foshan Shangdou Coffee Shop to stabilize the whole capital chain and tide over the difficulties of enterprise transformation. 20 15, thanks to the second small loan of 200,000 yuan, Ms. Li opened two branches one after another, and now her "Shangdou Coffee" has three chain branches.
"Maybe you can't imagine how important these two loans are to me when I am in the most difficult time. If it weren't for this 300 thousand, I would have had a hard time. I am very grateful to the government and I am fortunate to be the beneficiary of the small-sum secured loan in Chancheng. " Ms. Li said that after paying off the first loan, it was the staff of the Entrepreneurship Small Guaranteed Loan Center who took the initiative to find her and told her that she could lend her a second loan.
There are actually many entrepreneurs like Ms. Li who have benefited from Chancheng's small secured loan policy.
According to statistics, since the implementation of the policy of small secured loans for entrepreneurship in 20 13, 983 small secured loans for entrepreneurship have been issued, with the amount of 1488 1000 yuan, supporting entrepreneurship 1456 people and creating employment 10000 people.
What are the highlights of such a popular small secured loan for Chancheng Venture? Let the publishing house show you!
Individuals can borrow up to 200,000 yuan, and many people in the same company can apply for loans together.
Eligible entrepreneurs can apply for a one-time loan of up to 200,000 yuan. In addition, eligible partners can apply for "bundled" loans, and the total amount of loans per person does not exceed 200,000 yuan and 200,000 yuan. In other words, the same startup can also apply for loans together.
There are no household registration restrictions, and you can apply within the statutory retirement age.
Anyone who starts a business in Chancheng District, including non-registered residents, male entrepreneurs aged 18 to 60 years old, and female entrepreneurs aged 18 to 50 years old, can enjoy the small secured loan service.
The government fully subsidizes the interest, and can borrow for the second time if it repays on time.
According to the regulations of the handling bank, the lender shall repay the loan principal and interest in full to the handling bank on a monthly basis. According to the lender's repayment situation, the government will give quarterly full discount to those who repay in full and on time every month.
Applicants who have enjoyed the one-time small secured loan policy in accordance with the regulations and have a good credit status may apply for a one-time small secured loan again after returning all the loans in accordance with the regulations. This means that small and micro business owners with good credit can get a cumulative loan amount of up to 400,000. The second loan is also a government subsidy, free of deposit.
"One-door" handling, the process is convenient and efficient.
At present, the small secured loan business in Chancheng has been incorporated into the "one-stop" business in Jie Zhen, and the approval process of small loans is convenient. The loan review time shall not exceed 5 working days, and the time from application to issuance shall not exceed 10 working days in principle.
"Insurance procedures have been simplified and the process is very fast. I had a little problem when I applied for this loan in March, but the whole process was completed in about ten working days. If there is no episode in the middle, it will be done in a few days. " Ms. Wen of Foshan Jiayao Lighting Co., Ltd. said that the small secured loan in Chancheng was approved quickly and the loan funds were released quickly, which was really her "timely rain".
Chancheng provides entrepreneurs with the whole chain of entrepreneurial support.
In addition to providing entrepreneurs with a loan fund of 200,000 yuan, Chancheng also offers entrepreneurship counseling classes and skills training classes to provide entrepreneurial guidance and skills training for interested entrepreneurs and entrepreneurs who successfully apply for loans. After the entrepreneur obtains the loan, Chancheng Venture Small Guaranteed Loan Center will continue to track the development of the enterprise, introduce support forces in time, and provide full guidance and support for the entrepreneur. The person in charge of the Chancheng District Venture Small Guaranteed Loan Center said, "What we want to build is the entrepreneurial support of the whole chain, not just giving them loans.
There are not only commercial loans, but also business training and skill guidance. Entrepreneurs in Chancheng, with such good benefits, please apply!
Application conditions
People who start a business in Chancheng District, male 18 ~ 60 years old and female 18 ~ 50 years old, can apply for a one-time small secured loan for starting a business if they meet the following conditions:
(1) Holding the Employment and Unemployment Registration Certificate or the Employment and Entrepreneurship Certificate.
(two) in Chancheng District for industrial and commercial business license or other legal registration procedures, and the actual operation for more than 6 months.
(three) the production and operation projects engaged in with loan funds must conform to the national industrial policies and laws and regulations, as well as small-profit self-employed entrepreneurial projects.
(four) farmers' loans must meet the conditions stipulated by the handling bank.
Applicants who have enjoyed the one-time small secured loan policy in accordance with the regulations and have a good credit status may apply for a one-time small secured loan again after returning all the loans in accordance with the regulations.
Application material
Applicants are required to submit the following materials and ensure their authenticity (provide 2 copies):
(1) 3 copies of the Application for Small Guaranteed Loan in Chancheng District of Foshan City;
(2) The original and photocopy of the household registration book, identity card and marriage certificate of the applicant and spouse (if married);
(3) The original and photocopy of the employment unemployment registration certificate or employment entrepreneurship certificate;
(four) the original and photocopy of the industrial and commercial business license or other legal registration certificate (photocopy);
(five) the original and photocopy of the property right certificate or lease contract of the business place;
(6) The original and photocopy of the partnership cooperation agreement or articles of association (bundled loans are required);
* Personal secured loans must provide two guarantors, which must meet the guarantee conditions of the handling bank, and the partnership enterprise must issue a letter of guarantee. Please provide information according to the actual requirements of the handling bank for farmers' loans (please consult the bank for details).
1. Chancheng Small Loan Guarantee Center for Laid-off Workers
Address: Room 2 1 1 of Chancheng Human Resources and Social Security Bureau, No.31Jiangwan 1st Road, Chancheng District.
2. Cooperative bank: Foshan Branch of Postal Savings Bank of China Limited
Address: No.0/50, Fenjiang Middle Road, Chancheng District, Foshan