Two, migrant workers return home business loan application conditions
1. has reached the age of 18, has legal and valid identity certificate and legal residence certificate of the place where the loan bank is located, and has a fixed residence or business premises.
2. Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest.
3. The borrower has certain self-raised funds for the investment project.
4. The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment.
Three, migrant workers return home business loan processing process
1. Go to the Labor and Social Security Bureau where the household registration is located and issue the certificate of going out to work and the audited certificate of starting a business.
2. Submit the loan application to the county-level small loan guarantee center and prepare the loan-related materials.
3. Submit the relevant contents of the entrepreneurial loan for returning migrant workers, including personal ID card, proof of repayment ability, entrepreneurial certificate, business license and relevant materials of loan guarantor.
4. The lending institution conducts audit, and after the audit is passed, a loan contract and a guarantee contract can be signed, and the lending institution lends money.
The above is an introduction to the application materials and processes of entrepreneurial loans for returning migrant workers. According to different local regulations, the loan period and amount are also different. Loan interest rate Some cities can enjoy preferential policies, and migrant workers who need to apply for business loans can learn more about it locally.