First, the object of small secured loans

1.Laid-off workers engaged in self-employment, unemployed workers, retired soldiers in cities and towns who are self-employed, people who have graduated from colleges and universities and are unemployed and registered as unemployed, people whose land has been expropriated, registered unemployed people in other cities and towns, and migrant workers from Chongqing (returning entrepreneurs, labor brokers); 2. Small enterprises or partnership entities that employ more than 30% of Chongqing migrant workers (signed labor contracts with enterprises for more than one year and participated in social insurance); 3. Small enterprises or partnership entities with less than 300 employees and more than 20% of the above personnel.

Second, the amount of small secured loans

Self-employed persons apply for small secured loans within 50,000 yuan in principle, and the loan amount can be relaxed to 80,000 yuan for those with strong entrepreneurial ability and excellent entrepreneurial projects; 2. A partnership entity or small enterprise attracts all kinds of personnel to apply for small secured loans, and the total amount of loans is less than100000 yuan, calculated on the basis of 50,000 yuan per person.

III. Term and discount ratio of small secured loans

After the term of the small secured loan is 1 year and 1 year, after paying off the principal and interest, the employment bureau will apply for interest discount with the interest settlement list, and the employment bureau will make interest discount according to the regulations. You can apply for loan renewal 1 year (the procedures for loan renewal are the same as those for initial loan), and the longest loan discount period is 2 years. All kinds of personnel are subsidized by100%.

Four, small secured loans guarantee way

1.Property guarantee;

2. Wage guarantee for on-the-job employees of party and government institutions in jiangjin district;

3. Rural commercial bank time deposit guarantee.

V. Conditions of small secured loans

1.The lender shall be a natural person who is in working age (male is less than 60 years old and female is less than 55 years old, except for retired people and older laid-off workers), has good health, is honest and trustworthy, has certain labor skills, has received re-employment training, has full civil capacity, is engaged in self-employment or is a business entity with a business license issued by the administrative department for industry and commerce, and has certain capital operation ability;

2. Have a business license, a fixed business place and no bad records;

3. It belongs to the permanent residence of the neighborhood committee of the community.

4. Business projects must comply with relevant national policies and regulations, and must be low-profit projects (except for industries expressly restricted by the state, such as construction, advertising, housing agency, pawn, sauna, massage, Internet cafes, oxygen bars, and similar projects, such as beauty salons, water bars, bars, foot washing, etc.);

5. The lender must provide mortgage guarantee (house property right mortgage or personal salary guarantee) recognized by the rural commercial bank.

6. Small secured loans for partnership entities or enterprises also need to be provided: the roster of all kinds of personnel recruited by enterprises registered with the District Employment Bureau, labor contracts, relevant certification materials of all kinds of personnel recruited, the Special Payment Letter for Social Insurance (receipt copy) stamped by the bank, and the details of the employer's payment for qualified personnel and the original and photocopy of the total wages declaration form issued by the social insurance agency.

7. The lender's household registration, business license (business site), collateral and guarantor must be within Jiangjin District, and the laid-off unemployment certificate can be a certificate issued outside jiangjin district.

VI. Documents held by the Lender

1.Laid-off workers hold Employment Certificates, unemployed workers hold Employee Unemployment Certificates, retired soldiers hold Self-employment Certificates and Urban Unemployment Certificates, college graduates hold Graduation Certificates and Urban Unemployment Certificates, rural residents hold Land Expropriation Certificates and Urban Unemployment Certificates, and other towns are registered.

2. My ID card and residence booklet;

3. Self-employed persons hold business licenses, and enterprises hold business licenses, tax registration certificates, labor contracts, rosters of all kinds of personnel and relevant certificates of their corresponding personnel;

4. Mortgage or guarantee certificate: (1) The mortgagor of house property rights holds the House Property Right Certificate and the Land Use Right Certificate (if the house does not belong to several rivers, it should go to the branch office of the local rural commercial bank for the House Appraisal Price Certificate, and rural houses cannot be mortgaged); (2) The wage guarantor holds the salary income certificate of the guarantor (1 name) and the guarantor's ID card (the guarantor is limited to the official employees of the organs and institutions to which jiangjin district belongs, and the husband and wife cannot guarantee each other); (3) The rural commercial bank's time deposit guarantor provides the rural commercial bank's time deposit slip and the depositor's husband and wife ID card and marriage certificate.

VII. Procedures for handling loans

1, the lender holds the laid-off unemployment certificate (at the same time, the demobilized soldiers hold the self-employment certificate, college students hold the university diploma, and the peasants hold the land-lost certificate), ID card, household registration book, business license, guarantee certificate (unified format), guarantor ID card, and real estate license, and then wait until the community neighborhood committee where the household registration is located to fill out the Application Form for Small Guaranteed Loans and the Approval Form for Small Guaranteed Loans in jiangjin district (in sextuplicate).

2. The handling personnel of the community neighborhood committee shall examine the original documents, and at the same time, conduct on-the-spot investigation on the lender's residence, business operation and repayment ability. After the preliminary examination and signature of the eligible neighborhood committee, the loan information shall be submitted to the social security offices of towns (streets), and the neighborhood committee shall keep a copy of each document and make a good registration.

3. After receiving the loan information from the lender, the social security offices in each town (street) will review it in time, conduct spot checks on their residence, business operation and repayment ability, and submit the loan information to the district employment bureau and the social security office for registration after the qualified review is signed.

4. After the District Employment Bureau receives the lender's loan materials for timely examination and approval (original verification certificate and copy), it will send them to the Finance Bureau for examination and approval.

5. After the District Finance Bureau receives the lender's loan materials for timely examination and approval (original certification certificate), it will send them to suburban credit cooperatives for lending procedures.

6. After receiving the approved loan information of the lender, each branch office of the rural commercial bank shall go through the loan formalities in time according to the bank regulations (the lender and his wife shall sign at the scene and provide a marriage certificate, and the mortgaged house owner and time depositor shall sign at the scene with their ID cards, marriage certificates or guarantors. Before lending, the real estate mortgagor should also go through the registration formalities of real estate mortgage with the State Housing Bureau by the branch office of the rural commercial bank, and issue the loan in time.

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