1, loan declaration
The applicant shall submit a written application to the township (community) women's Federation, fill in the Application Form for Women's Small Guaranteed Loan, which shall be endorsed by the township (community) women's Federation and reported to the district women's Federation for examination, and then sent to the district labor and social security bureau for examination and approval after the preliminary examination by the women's Federation.
2. Loan review
The District Labor and Social Security Bureau will transfer the application for women's small secured loans to the District SME Credit Guarantee Co., Ltd. (hereinafter referred to as the guarantee company) for review, and issue a letter of intent for guarantee to the credit cooperatives designated by the district credit cooperatives, which will accept the application for secured loans and verify the application materials according to the loan procedures.
3. Lending
If the loan is approved by the guarantee company and approved by the credit cooperative, the credit cooperative will sign a loan contract and a guarantee contract with the lender and the guarantee company, handle the specific loan issuance procedures, and deposit the loan amount into the personal settlement account opened by the lender in the loan credit cooperative. If there is any objection after the loan credit cooperatives verify the loan, they shall promptly notify the lender.
Extended data:
Conditions for applying for small loans for women's entrepreneurship:
1, the town of agricultural registered permanent residence;
2. 18 years old and under 60 years old, in good health, with full capacity for civil conduct and working ability;
3. Women who are in line with national industrial policies and engaged in industries with distinctive advantages, facility agriculture and business services (except for student loans, poverty alleviation loans, house purchase loans, car purchase loans and small consumption loans of less than 50,000 yuan, when the applicant submits an application for business guarantee loans, my spouse and I should have no other loans);
4. The loan term is 3 years, and the maximum amount is 6.5438+0.5 million yuan. The guarantee method can be guarantor's guarantee or joint guarantee. If the loan guaranteed by the guarantor is less than 6,543,800 yuan (inclusive), it shall be guaranteed by the employees of the 654.38+ 0 administrative institution; More than 65438+ 10,000 yuan and less than150,000 yuan must be guaranteed by two employees of administrative institutions.
The joint guarantee must be based on the guarantee recommended by the township, and can be implemented by three households (immediate family members cannot jointly guarantee each other), and the amount in principle does not exceed 50,000 yuan.
5. The cumulative number of loans shall not exceed 3 times. Under the same conditions, women who have never borrowed money are preferred.
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