How can people with disabilities apply for commercial loans? What are the restrictions?

Persons with disabilities should consult the local civil affairs bureau or the foundation for the disabled when applying for business loans. If the Civil Affairs Bureau or the Disabled Persons' Foundation happens to have the project funds you started, you can apply for a discount loan from the Civil Affairs Bureau.

If it is the Civil Affairs Bureau, there is no loan for your entrepreneurial project. You need to go to the bank to apply for a business loan. When handling, the applicant needs to provide disability certificate, personal identity certificate, income certificate, business license, residence certificate, water and electricity payment list for more than three months and other supporting documents.

When applying for preferential policies for loans for the disabled, it should be noted that the relevant policies and specific requirements vary from place to place, so before applying for loans, you should not only inquire online, but also consult the local departments in charge of disabled affairs. Ensure that the required documents and other materials are being applied for, so as not to cause unnecessary trouble.

When people with disabilities apply for loans, they can mainly enjoy the following two policies:

1, prime loan interest rate. Under normal circumstances, all disabled people who can apply for loans can apply for subsidies according to the loan interest rate, and the highest applicant can get 90% discount;

2, special funds for loans for the disabled. Many areas have also set up special support funds for disabled people to start businesses, where disabled people can apply for tens of thousands to hundreds of thousands of small support loans.

Rural credit cooperatives continue to increase credit supply to meet the financial service needs of the disabled in a timely manner.

How does disabled soldiers apply for a venture loan?

Policies vary from place to place. I suggest you consult the local social security and civil affairs departments.

How do disabled entrepreneurs apply for loans?

Disabled people belong to vulnerable groups and have low employment opportunities. According to the implementation of entrepreneurship loans for the disabled in various places, we will eventually help the disabled to promote employment through entrepreneurship. For loans for the disabled, there will be opportunities to enjoy the discount policy. What is the application process of entrepreneurship loan for the disabled?

First, consult the local disabled persons' Federation or the disabled welfare foundation and fill out the application form. If the entrepreneurial project you choose meets the standards of the Disabled Persons' Federation or the Disabled Persons' Welfare Foundation, you can apply for a business loan directly. If you can't go to the bank to apply for a business loan.

Secondly, the preparation materials need to provide the applicant's ID card, household registration book, disability certificate, business license, income certificate and repayment ability certificate, and also need a third-party guarantee. To this end, when applying for a business loan for the disabled, the relevant materials of the guarantor should also be provided.

Finally, submit the materials and bid. Due to different entrepreneurial projects and different local policies, the loan amount may be different.

A friend who applies for a loan for the disabled must be a disabled person who is recognized by the employment service agency for the disabled, has certain labor skills within the legal working age, holds the People's Republic of China (PRC) Disabled Persons' Card, and is engaged in self-employment, self-employment or partnership, and organized for employment.

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How do disabled entrepreneurs apply for interest-free loans?

1. When a disabled person applies for an interest-free loan for starting a business, that is, when a disabled person who is willing to start a business applies for a small secured loan, the following materials need to be prepared:

1) Disability certificate and employment unemployment registration certificate issued by the labor and social security department;

2) A written application for a small secured loan;

3) ID cards and household registration books of both husband and wife of the loan applicant, and provide marriage certificate or unmarried certificate when necessary;

4) The original and photocopy of the business license, the house lease agreement, and the Employment Unemployment Registration Certificate if the registration date of the business license is after June 65438+February 65438+June 6, 2008;

5) When applying for business premises, loan applicants whose business premises are different from their registered permanent residence must provide the credit certificate issued by the village, township (street) or community labor security agency where the registered permanent residence is located.

2. (Microfinance) is a commercial loan centered on individuals or families. The loan amount is generally more than 1 1,000 yuan and less than 200,000 yuan. It is an extension of microfinance in technology and practical application. In China: Mainly serving agriculture, rural areas and small and medium-sized enterprises. The establishment of the company rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises.

Can disabled people apply for personal business loans?

No problem.

In order to encourage our people to start their own businesses, the state has issued a business loan policy, so people with disabilities apply for business loans.

First, the characteristics of venture loans:

1. Optimization of repayment method (quarterly interest repayment and principal repayment at maturity);

2. The use of the loan is not limited (it can be used for making, buying a house, buying a car, decorating, traveling, education, etc. );

3. The loan amount is large, the next payment time is fast and the process is short;

4. There is no penalty interest for repaying the loan in advance;

5. Long loan period and quick and simple procedures;

6, convenient and fast, reputation first

Second, the conditions for disabled people to apply for business loans

1, when applying for business loans, disabled people should have full capacity for civil conduct;

2. Disabled people have good credit;

3. Business projects with good expected returns;

4. Have certain self-financing operation projects;

5. Other conditions required by the bank.

Three, the disabled to apply for business loans required information:

1. Original and photocopy of ID card of disabled lender and original and photocopy of ID card of guarantor.

2. Provide credit cooperatives with three-level seals: loan contract and application form for self-employment of disabled persons.

3 credit cooperatives are responsible for further on-site investigation and verification to understand whether the basic situation of disabled people meets the loan conditions.

4, credit cooperatives and the disabled agreed loan date and repayment plan.

Hunan province disabled entrepreneurship loan application procedures

Registered unemployed, ex-servicemen, landless peasants, disabled people, dependents, college graduates, self-employed and self-employed returning migrant workers apply for small secured loans to engage in low-profit projects, and the financial department gives full discount (no discount during the exhibition period). The cumulative maximum discount period is no more than two years.

Low-profit projects refer to various business projects such as commerce, service, production and processing, and breeding. Except for industries restricted by the state (including construction, entertainment and advertising, sauna, Internet cafes and oxygen bars).

Knowledge about applying for small secured loans

Who can apply for a small secured loan?

Registered unemployed, ex-servicemen, landless peasants, the disabled, dependents, college graduates, and returning migrant workers may apply for small secured loans for self-employment and self-employment abroad.

Amount, term, interest rate and repayment method:

1. If the above-mentioned personnel are engaged in self-employment or overseas employment, they can apply for a small secured loan of less than 50,000 yuan (including 50,000 yuan), and the loan period shall not exceed 2 years. The loan interest rate can rise by 3% on the basis of the benchmark loan interest rate announced by the People's Bank of China. Pay interest on a monthly basis and repay the principal when due.

2. If the above-mentioned personnel start a business, the loan amount shall be controlled at10 ~ 200,000 yuan. Among them, if the number of unemployed people is less than 5, the maximum loan amount shall not exceed 654.38+10,000 yuan (including 654.38+10,000 yuan); Absorb more than 5 unemployed people (including 5 people), and the maximum loan amount shall not exceed 200,000 yuan (including 200,000 yuan). The number of unemployed people to absorb is based on the number of people who have signed labor contracts for more than one year (including one year) and paid various social insurance premiums. The loan interest rate can rise by 3% on the basis of the benchmark loan interest rate announced by the People's Bank of China. The loan period shall not exceed 2 years. Pay interest monthly in the first 12 months, and repay the principal and interest monthly in the second 12 months, in which: loans within one year can pay interest monthly and be repaid in one lump sum at maturity.

3. If the loan term is less than two years, you can apply for a second loan for the remaining term after repaying the principal and interest on schedule. If there is a record of overdue repayment, the qualification of small secured loans will be cancelled.

How to get a venture loan?

1. Under the entrepreneurial wave, what should I do without funds? At present, there are many types of entrepreneurial loans from banks. In order to support young people's entrepreneurship, policy support for entrepreneurship loans has been introduced one after another, and loan requirements have been relaxed. If you choose the loan variety that suits you scientifically according to your own situation, it will be easier for individuals to start their own businesses.

Mortgage loan for those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. If you need to buy commercial housing along the street, you can apply for a commercial housing loan from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.

In addition to certificates of deposit, personal loans can easily obtain certificates such as treasury bills and insurance company policies. 80% of the deposit amount can be used for loans; 90% loanable national debt of national debt denomination; The amount of the policy issued by an insurance company shall not exceed 80% of the cash value of the policy at that time. Secured loan If you don't have certificates of deposit, government bonds or insurance policies, but your spouse or parents have a better job and a stable income, it is also an excellent credit resource. At present, banks have a soft spot for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions only by looking for one or two colleagues to guarantee, and all kinds of materials can be approved on the same day and venture capital can be obtained quickly.

Two, to obtain commercial loans "5P principle" loans must be approved by the bank, how can we get the approval of the bank? Here is the "5P principle" obtained by synthesizing the internal information of the loan departments of major banks at home and abroad. It will tell you how to be a person for whom the bank is willing to "transfuse blood".

(1) Borrower (person) 1. Sense of responsibility: the main person in charge of the borrower and his family, education, social background, industry relations, credit information and litigation materials, evaluation of character (honesty and credit) and his sense of responsibility. 2. Operational effectiveness: operational capability is measured by the profitability (especially commercial interests) of the enterprise; Whether the host or important cadres have enough experience and professional knowledge; Training of successor operators and future planning of the industry. ? 3. Bank transactions: any dishonest or bad credit record; Whether to keep a balance with the bank; Whether to provide credit information in a cooperative way.

(2) Whether the fund use fund activation plan is legal, reasonable, reasonable and in line with the policy.

(III) Source of repayment (payment) The source of repayment is the premise to ensure the recovery of principal and interest of creditor's rights. It is the core of bank credit evaluation to analyze the source of borrower's repayment of credit.

(4) creditor's rights protection 1. Internal guarantee refers to the direct relationship between banks and borrowers. 2. External guarantee means that a third party has a letter of guarantee that the bank bears the credit responsibility of the borrower.

(5) Perspective refers to the analysis and decision-making of the future of the borrower's industry and the borrower's own future development, as well as the measurement of risks and interests. If the business applicant can provide complete information for the bank, the bank's credit investigation can be completed within two weeks, and then according to the above-mentioned 5P principle, whether the loan can be issued can be decided.

What materials should I submit to apply for a small secured loan?

Applicants engaged in self-employment need to submit materials:

1. Personal information of the applicant: ① the original and photocopy of the household registration book and ID card of the loan applicant and spouse; (2) Unemployed persons need to provide unemployment certificates (or confirm the self-employed status in the human resources "one card" system); (three) the original and photocopy of the valid certificate of the retired military personnel; (4) College graduates should hold the original and photocopy of graduation certificate; (5) Disabled persons are required to provide the original and photocopy of the Disabled Persons' Card issued by the Disabled Persons' Federation; ⑥ The dependents should provide the ID cards of themselves and their spouses, and the original and photocopy of the accompanying certificates issued by relevant departments.

2. The original and photocopy of the business license registered by the industrial and commercial department or the license certificate issued by other departments;

3. Counter-guarantee certificate;

4. Other materials required by the lending bank.

Materials to be submitted by overseas employment applicants:

1, the original and photocopy of the household registration book and ID card of the loan applicant;

2. Counter-guarantee certificate;

3. Relevant employment agreements and contracts signed with overseas employment agencies and overseas employers;

4. Other materials required by the lending bank.

Four copies of the above materials shall be made on A4 paper, and the originals shall be provided and the copies shall be submitted (double-sided copy of ID card; The household registration book should be copied (home page, index, card), the real estate license should be copied completely, and the original should be returned to me on the spot after examination.

Materials to be submitted when applying for starting a business:

1. Personal information of the applicant: ① the original and photocopy of the household registration book and ID card of the loan applicant; (two) the original and photocopy of the valid certificate provided by the retired soldiers for their discharge from active service; (3) College graduates should hold the original and photocopy of graduation certificate; (4) Disabled persons need to provide the original and photocopy of the Disabled Persons' Card issued by the Disabled Persons' Federation; ⑤ The dependents of the army should provide the ID cards of themselves and their spouses and the original and photocopy of the military certificate issued by the relevant departments.

2. Original and photocopy of the business license of the enterprise (stamped with the official seal of the enterprise);

3. The roster of recruiters' employment filing and labor contract filing, special receipts for social insurance premiums in Shandong Province, and the basic information of social insurance personnel in Qingdao and the list of changes (loan applicants must pay social insurance premiums in their own units);

4, project feasibility analysis and repayment ability report; 5] For enterprises that have been operating for more than 1 year, submit the financial statements of the previous year and the audit report issued by the accounting firm; [6] Counter-guarantee certificate; (7) Capital verification report; (8) Other materials required by the loan handling bank.

The above materials shall be copied in quadruplicate on A4 paper. You must provide the original and submit a copy (the business license needs to be stamped with the official seal of the company), copy the ID card on both sides, and copy the home page, index and card of the household registration book. The real estate license needs to be copied completely. Check the original and return it to me on the spot.

Ways of applying for small secured loans to provide counter-guarantee

The borrower who applies for a small secured loan shall provide counter-guarantee according to law, which can be house mortgage, guarantor guarantee, etc. Among them, the mortgaged house requires clear property rights and the consent of the owner of the house and the person who lives with him; Guarantor's guarantee can be provided by civil servants, institutions and staff with stable income. If the loan amount is less than 6,543,800 yuan (including 6,543,800 yuan), 654.38+ 0 people are required to guarantee it; If the loan amount is more than 654.38 million yuan but less than 200,000 yuan, it needs two guarantees. There is unlimited joint liability between guarantors. A guarantor shall sign a guarantee contract when providing a guarantee. for reference only

How do individuals apply for venture loans?

The most common is bank risk loans. This kind of loan refers to a special loan with effective guarantee approved by the bank, which is issued by an individual who has the ability to operate or has been engaged in production and business activities because of the funds for starting or re-starting. However, it needs economic repayment ability to determine the amount, which is generally up to 500,000 yuan. When applying for such loans, three points are more important and necessary: first, the loan applicant must have a fixed residence or business premises. Second, business license and business license, stable income and ability to repay principal and interest; The third and most important point is that the projects invested by entrepreneurs already have their own funds.

How can a disabled person apply for a loan when buying a car?

Disabled people can buy a car, but they cannot apply for a driver's license. Loan is a normal loan procedure for banks, and there is nothing complicated.

Can disabled people apply for business loans? Where should I apply?

Yes, the bank.

How to apply for the disabled entrepreneurship fund?

Want to apply for the disabled self-employment fund must meet the following conditions:

1, must be a local registered permanent residence, aged 18 to 45 years old, with no fixed occupation and no low-income households enjoying other kinds of sexual subsidies.

2, registered in the administrative department for Industry and commerce and obtain a business license, with business ability and business premises.

3. Persons with disabilities who meet the above conditions can declare at the Disabled Persons' Federation where their household registration is located.

What are the requirements for loans for the disabled?

Disabled loans shall meet the following conditions:

1. The degree of disability is light, and he still has full capacity for civil conduct. If the person is restricted or has no capacity for civil conduct due to mental or other diseases, he can't take care of himself and doesn't have the basic conditions for loan.

Two, have a strong ability to repay the principal and interest, including the first and second sources of repayment.

Three, the loan must be used for the specified legal scope.

Four, engaged in the industry belongs to the national licensing industry.

Any qualified disabled person can apply for a loan. Different regions give different preferential loans to the disabled, generally as follows:

1. prime loan interest rate. Under normal circumstances, all disabled people who can apply for loans can apply for subsidies according to the loan interest rate, and the highest applicant can get 90% discount;

Two, special funds for loans for the disabled. Many areas have also set up special support funds for disabled people to start businesses, where disabled people can apply for tens of thousands to hundreds of thousands of small support loans.

Why can some disabled people get loans? And some can't? The analysis is as follows:

The bank's requirements for ordinary natural person borrowers are not aimed at the disabled, but treat everyone equally.

1. Legitimacy of the borrower. Age and nationality restrictions, that is, you must have China nationality, be over 18 years old and not more than 60 years old (female 55 years old).

2. A natural person with full capacity for civil conduct. That is, a natural person who can independently bear civil liability and perform obligations. In other words, people with limited capacity for civil conduct and people without capacity for civil conduct cannot borrow money.

3. The borrower shall have the ability to repay the principal and interest when due, including the first repayment source through its own production and operation, and the second repayment source is at risk due to production and operation, that is, full mortgage or guarantee.

Four, the use of loans must be legal. In other words, the borrowed money must be used according to the agreed purpose, and cannot be used in illegal fields, such as gambling, smuggling, drug trafficking or other fields prohibited by the state.

Five, engaged in the industry must be licensed by the state, banned or launched a list of industries that prohibit loans, such as high energy consumption, heavy pollution and other prohibited industries.

What policies does the country have to support disabled people to start businesses?

First, the conditions of entrepreneurship loans for the disabled

1. Persons with disabilities who apply for loans have full capacity for civil conduct.

2. The disabled who apply for loans have good credit.

3. There are operational projects, and the expected income is good.

4. There are certain self-financing operation projects.

5. Other conditions required by the bank.

Second, preferential loans for the disabled.

1. Special service window for the disabled: local labor and employment service agencies should set up special employment service windows for the disabled, register the disabled with entrepreneurial aspirations, and provide them with job registration, free consultation and free employment guidance.

2. Give priority to the employment of the disabled: for those who need to participate in vocational skills training, employment training institutions at all levels should provide convenience and actively organize training; Ability to participate in skill appraisal is preferred.

3. Preferential treatment for disabled people engaged in self-employment: they can apply for business licenses free of charge, and reduce or exempt individual industrial and commercial management fees as appropriate. Tax authorities should give priority to tax registration free of charge and reduce or exempt taxes according to regulations, and other administrative departments and institutions should be exempted from all kinds of fees that can be exempted.

4. Priority breeding for the disabled: if the planting scale is more than 20 mu (including 20 mu), or the annual poultry raising is more than 654.38+million, or the annual pig raising is more than 200, or the annual sheep raising is more than 654.38+million, or the aquatic product scale is more than 30 mu, the commercial loan for breeding is less than 50,000 yuan, and the municipal government will give a discount from the employment security fund for the disabled.

Third, the disabled business loan process

1. The disabled person who applied for the loan shall provide the credit union with the original and photocopy of the ID card of the disabled person who applied for the loan and the original and photocopy of the ID card of the guarantor.

2. Provide credit cooperatives with three-level government seals: loan contract and application form for self-employment of disabled people.

3, credit cooperatives are responsible for further on-site investigation to verify and understand whether the basic situation of disabled people meet the loan conditions.

4, credit cooperatives and the disabled agreed loan date and repayment plan.

Recently, State Taxation Administration of The People's Republic of China issued the Guidelines on Preferential Tax Policies for Mass Entrepreneurship and Innovation, and we will sort out the specific contents of preferential tax policies one after another. Today, preferential tax policies related to entrepreneurship and employment of disabled people are released, including the exemption of value-added tax for entrepreneurship of disabled people, the policy of immediate refund of value-added tax for units and individual operators who resettle disabled people, the policy of immediate refund of value-added tax for enterprises who resettle disabled people, the policy of personal income tax reduction and exemption for employment of disabled people, the policy of wage deduction for enterprises who resettle disabled people, and the policy of land use tax reduction and exemption for units and towns that resettle disabled people.

Conditions for entrepreneurship loans for the disabled What are the conditions for entrepreneurship loans for the disabled?

1. The borrower has a disabled card and its business plan has been registered with the industrial and commercial and tax authorities;

2. The borrower is recognized by the employment service agency for the disabled and has certain labor skills within the legal working age.

3. The borrower has a fixed business place and a certain amount of free funds. If it is a partnership, there must be a partnership agreement and valid documents. The final business activities fully comply with the relevant national policies and regulations, and have certain repayment ability.