Tianjin individual entrepreneurial guaranteed loan can be loaned several times
Tianjin individual entrepreneurial guaranteed loan can be loaned several times, the key entrepreneurial groups, "project + team" members applying for individual entrepreneurial guaranteed loans, the maximum amount of up to 500,000 yuan, the same "project + team" members **** the same application for individual entrepreneurial guaranteed loans, the total amount does not exceed 3 million yuan. The total amount of guaranteed loans for individual entrepreneurship for the same "project + team" members*** is not more than 3 million yuan. Tianjin personal entrepreneurship guarantee loan can loan a few times.
Tianjin individual entrepreneurial guaranteed loans can loan a few times 1The entrepreneurial personnel who have obtained the "loans, exemptions and subsidies", personal entrepreneurial guaranteed loan support and small and micro-enterprise entrepreneurial guaranteed loans for small and micro-enterprises, on time to pay off the principal and interest of the last loan, entrepreneurial projects (or business operations), good, and increased to lead the number of people to take in employment, you can Apply for loan support again, enjoy loan subsidies, but the cumulative total of no more than three times.
That is, the entrepreneurial personnel to obtain "loans, exemptions and subsidies", the number of individual entrepreneurial loan support does not exceed a total of three times, the number of small and micro enterprises to obtain small and micro enterprise entrepreneurial loan support does not exceed a total of three times.
"Once" refers to the starting and ending time period of the loan as stated in the loan contract. In case of early repayment, the cycle is calculated according to the actual repayment time.
After obtaining a guaranteed loan for entrepreneurship, can I use the loan for living consumption or other investments?
Regardless of whether it is a loan, a personal business guarantee loan or a small business loan, the borrower can only use the loan for expenses related to the business operation or the business operation, and cannot use it for life consumption or other investments. If you don't use it for your business or business-related expenses, you'll have to recover the loan principal and all the interest rate subsidies if you're found guilty.
Entrepreneurs in the enjoyment of the "loan exemption and subsidies", entrepreneurial guaranteed loans, financial subsidies during the policy support, the cancellation of the business license, how to deal with? Generally not cancel the business license. If the entrepreneurial individual in the enjoyment of entrepreneurial guaranteed loan financial subsidy policy support during the cancellation of the business license, should be canceled within seven working days from the date of the business license to the contractor and the Bank of the report. ① not truthfully report the situation, the inspection found that the cancellation of the business license, since the date of cancellation of the business license, financial subsidies, the borrower to bear all the subsequent interest. ② truthfully reported that the situation, categorized for processing: the borrower will be resold to other people, since the resale project date, no longer enjoy the entrepreneurial loans related policies, financial subsidies; belonging to the business project to turn, is still operated by the original borrower, you can continue to enjoy the entrepreneurial loans and subsidies to the expiration of the policy contract; belonging to the other cases, the contractor and the handling of the Department of Banks will issue opinions after consultation. Personal entrepreneurship guaranteed loan amount: Personal entrepreneurship guaranteed loan maximum amount of 500,000 yuan, small and medium-sized enterprise entrepreneurship guaranteed loan maximum amount of 3 million yuan. Key entrepreneurial groups, "project + team" members to apply for individual entrepreneurial loans, the maximum amount up to 500,000 yuan, to the same "project + team" members **** with the application for individual entrepreneurial loans, the total amount does not exceed The total amount is not more than 3 million yuan. Note: The bank within the maximum loan amount, according to the borrower's credit investigation, repayment ability, business projects and other actual situation to determine the amount of business guaranteed loans. Loan term: The maximum term of individual entrepreneurial loans is three years, and the maximum term of small and micro-enterprise entrepreneurial loans is two years. Recognized by the bank, it can be extended once for a period of not more than one year. The cumulative number of guaranteed loans for entrepreneurship for the same borrower is not more than 3 times. Loan Interest Rate: The interest rate of individual entrepreneurial guaranteed loan is determined by reference to the 1-year Loan Market Quotation Rate (LPR) published by the National Interbank Offered Rate Center authorized by the People's Bank of China plus or minus a point, and is subject to an upper limit of LPR plus 100 basis points, with the interest rate of the loan not exceeding LPR+50BP. In terms of financial and tax support policies for innovation and entrepreneurship, college graduates engaged in self-employment within the year of graduation . In addition, innovative entrepreneurial financial support, the city's college graduates personal entrepreneurial guarantee loan maximum amount to be floated to 500,000 yuan; college graduates set up eligible small and medium-sized enterprises, the maximum loan amount of 3 million yuan, and according to the provisions of the subsidized interest support. Tianjin individual entrepreneurial guaranteed loan can loan a few times3 Individual entrepreneurial guaranteed loan conditions: In the city to start a business enterprise, individual industrial and commercial enterprises, rural cooperatives and other business entities, no bad credit record, and at the same time meet the following conditions of entrepreneurship, can apply for individual entrepreneurial guaranteed loan. (a) within the legal working age, and has not applied for pension formalities; (b) to set up a business entity and registered in accordance with the provisions of the registration; (c) in addition to student loans, poverty alleviation loans, housing loans, loans for the purchase of a car, and small loans for consumption of less than 50,000 yuan (including credit card consumption), the borrower submits an application for entrepreneurial guaranteed loans, the borrower and his spouse should not have other loans. Spouse should have no other loans. Enterprise Guarantee Loan Conditions: Small and medium-sized enterprises that are registered as market players in the city, have no bad credit records, and meet the following conditions at the same time can apply for small and medium-sized enterprise entrepreneurial guarantee loans. (a) belonging to the small and micro enterprises stipulated in the Measures for the Division of Statistically Large, Medium, Small and Micro Enterprises (2017) (State Statistical Zi [2017] No. 213); (b) not having a credit record of serious violations of laws and regulations, such as defaulting on the payment of wages to employees and non-payment of social insurance premiums; (c) the number of newly recruited personnel meeting the stipulated requirements in the current year reaching 20% (more than 20%) of the number of employees (more than 20%) of the existing on-the-job workforce of the enterprise. 20% of the number of employees (10% for enterprises with more than 100 employees), and sign a labor contract with them for more than 1 year. The prescribed conditions include: urban registered unemployed, people with employment difficulties (including people with disabilities), veterans, ex-prisoners, college graduates (including college student village officials and returnee students), employees and unemployed workers of enterprises resolving overcapacity, and the poor population with established records.