A, graduates apply for business loans need what conditions
Apply for business loans you need to prepare the following information: the original report card and a copy of the original certificate, the original certificate of graduation and a copy of the original, the original ID card and a copy of the original, an inch of recent color photographs of the 2 to the Municipal Personnel Bureau of the Graduation Office to apply for the "independent entrepreneurship certificate", and, then, with "independent entrepreneurship Then, with the "Independent Entrepreneurship Certificate", you can go to the Graduate Service Hall of the Municipal Personnel Bureau to apply directly for a small guaranteed loan to engage in home handicrafts and other 25 micro-profit projects with financial subsidies. The specific procedures are as follows: Step 1: Application. Graduates with all kinds of materials, to the Municipal Personnel Bureau to apply. Step 2: Preliminary examination. The Municipal Personnel Bureau is responsible for the pre-loan audit, whether the graduates meet the loan conditions and loan applications are fiscal interest micro-profit projects to review and issue a recommendation form, at the same time, apply for micro-guaranteed loans for graduates of entrepreneurial ability to assess. Step 3: Review. Reviewed by the district and county (city) Personnel Bureau, sent to the district and county (city) guarantee organization for review. Step 4: Guarantee. The guarantee agency examines the loan applicant's application for guarantee and the counter-guarantee measures provided. Step 5: Approval. The handling bank, in conjunction with the district and county (city) personnel bureaus and guarantee agencies, **** with the evaluation of the loan program, is responsible for the final approval of the loan application. After the finalization of the loan agreed, the bank and the guarantee agency to sign a guarantee contract, and at the same time with the loan applicant to sign a loan contract. Step 6: Lending.
Two, the Employment Agency business loans need what conditions
: 1, registered unemployed people, disabled people, with the military families, ex-prisoners, expropriated farmers, urban and rural women, and labor-intensive small enterprises and other entrepreneurs can apply for business loans.
2, the applicant has good credit, in the People's Bank of China's personal credit system does not have a bad credit record.
3. The applicant has achieved a local employment rate of 80 percent or more through local employment.
Organizations, should establish financial and accounting independent accounting management system, and tax registration in accordance with the law.
5, the entrepreneurial organization run by the applicant needs to absorb local workers employment, and the proportion of not less than 30%.
6, in addition to student loans, poverty alleviation loans, housing loans, car loans and other loans, I and with to note that the counter-guarantor should be the city borrower for the husband and wife relationship, need to work in the city's financial allocations or in the city to participate in the social insurance of the enterprises and institutions to the borrower to apply for a loan in the previous year the city's on-the-job workers above the level of the average monthly wage income in the guarantee agency to sign a formal Guarantee contract to clarify the responsibilities and obligations of the counter-guarantor.
: refers to a certain production and business capacity or have been engaged in production and business of the individual demand application, recognized by the bank effective guarantee and issued a special
Legal basis: "on the support and promotion of employment related tax policy notice" Article 3 enjoy the preferential policies of Article 1 and Article 2 of this notice in accordance with the following provisions of the application for the "Employment and Unemployment Registration Certificate," "College Independent Entrepreneurship Certificate for College Graduates" and other vouchers: (1) In accordance with the provisions of Article 63 of the Provisions on Employment Services and Employment Management (Ministerial Decree No. 28), persons who are within the legal working age, have the ability to work, and have the intention to be employed, register as unemployed in the public ****employment service organizations and apply for the "Employment and Unemployment Registration Certificate". Among them, rural migrant workers and other non-local householders who have been steadily employed in their usual place of residence for six months can register in their usual place of residence after becoming unemployed.
Three, the employment bureau business loans need what conditions
: 1, registered unemployed people, college graduates, veterans, disabled people, families with the military, ex-offenders, expropriated land farmers, urban and rural women and labor-intensive small enterprises and other entrepreneurial personnel can apply for business loans. 2, the applicant has a good credit and no bad credit record in the People's Bank of China's personal credit system.3 The applicant has passed the training provided by the local employment bureau, and the passing rate of the training has reached more than 80%.4 The entrepreneurial organization run by the applicant should set up a system of independent accounting and management of finance and accounting and carry out tax registration in accordance with the law.5 The entrepreneurial organization run by the applicant is required to absorb the employment of local workers with a proportion of no less than 30%.6 Except for student loans, poverty alleviation loans, housing loans, car purchase loans and other loans, the applicant and his/her spouse have no other loans. It should be noted that the counter-guarantor should be a natural person with household registration in the city, and cannot be a husband and wife with the borrower, and needs to work in the city's financial allocation units or in the city's enterprises and institutions participating in social insurance, and the monthly income reaches the level of the city's average monthly salary income of the on-the-job employees above the level of the previous year in which the borrower applies for the loan. The counter-guarantor shall sign a formal counter-guarantee contract with the guarantee institution and a guarantee contract with the lending bank to specify the responsibilities and obligations of the counter-guarantor. : It refers to a special loan issued to individuals who have certain production and operation ability or have already engaged in production and operation, and who apply for financial needs for starting or re-entering a business and are recognized by the bank as having an effective guarantee. Legal basis: "on the support and promotion of employment related tax policy notice" Article 3 to enjoy the preferential policies of Article 1 and Article 2 of this notice in accordance with the following provisions of the application for "employment and unemployment registration card", "independent entrepreneurship certificate for college graduates" and other vouchers: (a) in accordance with the "Employment Services and Employment Management Provisions" (People's Republic of China **** and the State of the Ministry of Labor and Social Security Decree No. 28), the provisions of Article 63 , urban permanent residents who are within the legal working age, have the ability to work, have the requirement for employment, and are in a state of joblessness, register as unemployed at the public *** employment service organization, and apply for an Employment and Unemployment Registration Certificate. Among them, rural migrant workers and other non-local household members who have been steadily employed in their place of permanent residence for six months can register in their place of permanent residence after becoming unemployed.
Four, the conditions of the SSA business loans?
1, the loan applicant must have a legally valid proof of identity and proof of legal residence in the location of the loan bank, as well as a fixed residence or place of business.
2, the loan applicant must be within 18-50 years of age.
3. They must have been unemployed for up to six months before they can apply.
4, you must go to the labor security department where the account for the relevant procedures, apply for "employment and unemployment registration", you can rely on this proof of business execution (copy can also be) tax registration documents and store rental contracts and other valid documents, to the social security bureau where the account for the application of small guaranteed loans.
5, the applicant's investment program requirements have been a certain amount of their own funds. This is an important condition for banks to measure whether to borrow, because the amount of business loan requirements generally up to a maximum of no more than 70% of the total amount of funds required for the lender's normal production and business activities required working capital, as well as the purchase (installation or repair) of small equipment and franchising chain of funds required.
6, the loan applicant must open a settlement account in the bank where the loan is made, and the business income should be settled by the bank. And the use of the loan is in line with the relevant national laws and regulations of the Bank's credit policy, and is not allowed to be used for other speculative investment projects such as equity interests.
7, loan guarantee loan applicants need to provide certain guarantees, including real estate mortgages, certificates of deposit pledge and third-party guarantees in three forms, in addition to as far as possible to provide some of their own credit status, repayment ability, and loans and investment information to the bank, which will increase the integrity of the loan, in order to facilitate the smooth obtaining of loans.
8, other loan conditions specified by the relevant lending bank.
Generally speaking, the social security program that enterprises pay for their employees is "five insurance and one gold", which includes pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, and "one gold" is housing fund. The "five insurance" includes pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, and the "one fund" is the housing fund. Because social security is required by the state to be paid by enterprises to their employees, the payment of social security can directly reflect the applicant's work situation.
It is worth noting that the social security payment does not affect the applicant's loan amount. The exact amount of loan the applicant can apply for is directly related to the applicant's income level. If an individual has a good credit record, the bank will offer a higher loan amount, which can usually reach about 8-10 times the individual's salary.
What are the conditions for social security loans?
To get a loan with a social security card, the borrower needs to have some repayment ability. If the borrower is applying for a credit loan, then the borrower has been working in his current organization for more than six months, has a monthly income of more than 3,000, and has a good personal credit record. If the borrower is applying for a mortgage loan, the borrower has to have collateral to secure the loan and has a good credit history. The collateral should meet the eligibility of the mortgage as well as the conditions of the mortgage, and at the same time, there should be a mortgage amount