1. The borrower has a college degree or above;

2. After graduation, he has not been employed for more than six months, and has gone through the unemployment registration formalities in the local labor and social security department;

3. Having a prescribed domicile or business premises;

4. Can provide a business license;

5. Have a stable income and the ability to repay in full and on time;

6. Have certain self-owned funds;

7. Other conditions required by the lending institution.

Application steps:

Prepare documents

Certificates include: employment and unemployment registration certificate issued by the labor and social security department, military retiree certificate issued by the army, diploma of junior college students, land-lost certificate issued by the township (street) labor security station or certificate of returning home to start a business.

Submit a petition

Put forward to the community labor security service center or township labor security station where I started my business.

fill in a form

Fill in the application approval form for promoting employment with small secured loans (in duplicate).

Pass the preliminary examination

Labor and social security institutions shall conduct preliminary examination, and those who pass the preliminary examination shall be recommended to guarantee institutions at or above the county level.

Pass the examination

Guarantee institutions shall examine the qualifications of loan objects, review their re-employment projects, sign opinions, and provide "Review Opinions on Small Guaranteed Loan Projects for Promoting Employment".

apply for loan

The applicant applies for a loan from a commercial bank with the above information. Commercial banks should complete the loan investigation and review procedures within 10 working days from the date of receiving the loan application, and timely issue loans in line with the loan conditions; Do not meet the loan conditions, timely feedback and explain the reasons.