With the continuous development of market economy, in order to promote employment and social development, the state has issued many loan and welfare policies to encourage people to start businesses, among which business license loan is also a preferential policy. A friend asked, is it true that the business license is 200 thousand interest-free loan? How to apply for an interest-free loan with a business license of 200 thousand?
Is it true that the business license is 200 thousand interest-free loan?
The interest-free loan with a business license of 200,000 yuan is of course true, and it is essentially a business guarantee loan. The main service targets are personal business loans and small and micro enterprise loans, and key support is given to individuals or enterprises that have been in business for less than five years.
The objects eligible for the interest-free loan of 200,000 yuan with business license are: registered unemployed people in cities and towns, people with employment difficulties, retired soldiers, college graduates, employees and unemployed people in enterprises with overcapacity, migrant workers returning to their hometowns to start businesses, self-employed farmers, online merchants, poverty-stricken people with established business licenses, people with business licenses who meet the requirements for individual entrepreneurship, and qualified small and micro enterprises.
How to apply for an interest-free loan with a business license of 200 thousand?
Not all banks have the preferential policy of 200,000 interest-free loans with business licenses, and borrowers need to take relevant information to the bank for detailed consultation. Generally, it is more likely that the four major banks of workers, peasants and China Construction will provide 200,000 business license interest-free loans.
After confirming that the bank has a business license of 200,000 interest-free loans, the borrower needs to bring his ID card, household registration book, business license and other related materials to the bank outlets to apply for loans. After registration, there will be a special staff to approve the loan, and the borrower can wait patiently for the result.
Is it true that the business license is 200 thousand interest-free loan? I hope I can help you!
What are the conditions for an interest-free loan of 200,000 yuan?
It is not easy to get a loan of 200,000 yuan, and it is even more difficult to get an interest-free loan of 200,000 yuan, because interest-free loans are not clearly stipulated in major banks, and only under certain circumstances. It is a form of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Interest is paid free of charge by banks or by government agencies, and the conditions to be met are relatively strict. What are the conditions for an interest-free loan of 200,000 yuan?
1, a China citizen aged between 18 and 45 years old with full capacity for civil conduct.
2, the loan applicant must have a good reputation, no bad records, no credit card overdue, loans overdue and other phenomena.
3. If you have certain self-owned funds, you need to provide corresponding proof of funds, such as deposits in personal bank cards.
4. 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.
5. Proof of fixed residence and business premises, such as real estate license or real estate license with parents' names, business license issued by the administrative department for industry and commerce and business license of related industries.
The interest-free loan of 200,000 yuan needs to meet many strict conditions, and even requires the lender to provide a guarantor with better qualifications. The reason why banks do this is to minimize the risk of loans. If the lender fails to repay the loan on time, the bank will ask its guarantor to help him repay the loan as soon as possible.
How to apply for a 200,000 interest-free loan with a business license?
If the business license cannot handle interest-free loans, small and medium-sized enterprises can handle government discount loans. Discounted loans for entrepreneurial countries refer to small secured loans for laid-off workers (hereinafter referred to as small secured loans), that is, financial credit services provided for qualified entrepreneurs, especially social vulnerable groups, according to the relevant national employment promotion policies. It is a small loan guarantee fund established by governments at all levels, guaranteed by designated guarantee institutions, distributed through banks, and supported by the financial department at a certain discount.
Legal basis: Article 10 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises should set up the subject of small and medium-sized enterprises in the central budget and arrange special funds to support the development of small and medium-sized enterprises.
Local people's governments should provide financial support for small and medium-sized enterprises according to actual conditions.
If the business license cannot handle interest-free loans, small and medium-sized enterprises can handle government discount loans. Discounted loans for entrepreneurial countries refer to small secured loans for laid-off workers (hereinafter referred to as small secured loans), that is, financial credit services provided for qualified entrepreneurs, especially social vulnerable groups, according to the relevant national employment promotion policies. It is a small loan guarantee fund established by governments at all levels, guaranteed by designated guarantee institutions, distributed through banks, and supported by the financial department at a certain discount.