According to the policy, registered unemployed people, ex-servicemen, land-expropriated farmers, disabled people, dependents, college graduates, and returning migrant workers can apply for small-sum secured loans for self-employment, self-employment and employment abroad. In addition to industries restricted by the state (such as construction, entertainment, advertising, sauna, Internet cafes, etc. ), commercial, service, production and processing, breeding and other business projects are regarded as small-sum secured loans with low profit and included in the scope of financial interest subsidies. The discount targets of low-profit projects include self-employed projects and small enterprises that are in partnership and organized for employment. \ \ The policy stipulates the amount of small secured loans, and the maximum amount of new small secured loans issued by the handling financial institutions to individuals is 50,000 yuan; For urban and rural women who meet the requirements of the current small secured loan applicants, the maximum amount of new personal small secured loans is 80,000 yuan; For qualified women who are employed by cooperative organizations, the upper limit of per capita loan amount can be increased to 6,543,800 yuan; For qualified labor-intensive small enterprises, the maximum amount is no more than 2 million yuan, and the loan period is no more than 2 years. \ \ Regarding the scope of financial discount for small secured loans, the policy stipulates that the loan interest rate of new loans issued by financial institutions to eligible individuals can be increased by 3 percentage points on the basis of the benchmark loan interest rate announced by the People's Bank of China. Among them, the interest of small secured loans for low-profit projects (including the increase of floating interest rate) is fully subsidized by the central government. Small secured loans borrowed by qualified labor-intensive small enterprises shall be subsidized by the financial department at 50% of the benchmark loan interest rate announced by the People's Bank of China, and the discount funds shall be borne by the central and local governments at 50% respectively. In addition, the central government will give rewards according to a certain proportion of the newly-increased guarantee funds and small-sum secured loans issued in that year.
Government discount loan application process
I. Service matters
Small secured loans promote employment.
Second, the responsible unit
Re-employment Counseling Section of Labour Department
Third, authority.
Small secured loans to promote employment are divided into two levels of management. District-level labor and employment management institutions shall examine and approve the loan discount qualification for self-employment and self-employment, and the municipal labor and employment management office shall examine and approve the loan discount qualification for partnership and holding employment and labor-intensive small enterprises.
Fourth, the basis for handling affairs.
1, Notice of the General Office of Hunan Provincial People's Government on Forwarding the Trial Measures for the Registration and Management of Employment and Unemployment in Hunan Province by the Labor and Social Security Department and other departments (No.34 [2009] of Hunan Provincial Government Office);
2. Notice on Implementing the Operating Rules of Small Guaranteed Loans for Promoting Employment in Hunan Province (No.KLOC-0/05 [2009] of Xianglao Social Worker);
3. Notice on Improving the Financial Discount Policy for Small Guaranteed Loans to Promote Women's Entrepreneurship and Employment (Zhu Cai She [2009] No.26).
4. Notice on Forwarding the Ministry of Finance and the People's Bank of China on Strengthening the Management of Discounted Funds for Small Guaranteed Loans (Jin [2014] No.8).
Verb (short for verb) The object to be processed.
(a) within the legal working age, have a certain entrepreneurial ability and entrepreneurial desire, meet one of the following conditions, self-employed, self-employed or partnership organizations for employment, and their self-raised funds are insufficient. Under the premise that the loan guarantee institutions promise to guarantee, they can apply to commercial banks for small secured loans:
1, holder of employment unemployment registration certificate;
2. Urban veterans;
3. University graduates;
4. Land-lost farmers and rural women entrepreneurs.
(II) Labor-intensive small enterprises that meet the loan conditions (except those that are discouraged by national industrial policies such as advertising, sauna and Internet cafes, the same below) may apply for small-sum secured loans from commercial banks when the newly recruited personnel who meet the application conditions for small-sum secured loans reach more than 30% of the total number of existing employees (100 enterprises reach 15%).
(3) The loan applicant must meet the following conditions:
L, registered by the industrial and commercial departments;
2. Having a fixed business place and a certain amount of self-owned funds;
3, engaged in business projects must comply with the relevant laws, regulations and policies of the state;
4, self financing is not less than 40% of the funds needed for the project;
5. No bad record and good credit;
6, in principle, should be through entrepreneurship training, obtain the "entrepreneurship training certificate".
(four) small labor-intensive enterprises applying for small secured loans must meet the following conditions:
L, registered by the industrial and commercial and tax authorities;
2. Having a fixed business place and a certain amount of self-owned funds;
3, engaged in business projects must comply with the relevant laws, regulations and policies of the state;
4. Have the ability to repay the loan;
5. Sign a labor contract 1 year or more with the newly recruited personnel who meet the application conditions for small-sum secured loans, and pay the basic old-age insurance, basic medical insurance, maternity insurance, industrial injury insurance and unemployment insurance premiums for them.
(five) small secured loans can only be used for self-employed, self-employed or their partnership entities and labor-intensive small enterprises that meet the loan conditions.
The provision of intransitive verb materials
1, applicant's ID card;
2, "employment unemployment registration certificate" or military retirees certificate or "college graduation certificate" or proof of lost land or certificate issued by the township (street) labor and social security service station;
3. A copy of the business license;
4, employment and re employment project plan and loan application, mainly to review the feasibility and investment benefit analysis of entrepreneurial projects;
5. Self-financing certificate;
6, street (township) office recommendation and recommendation certificate, including the applicant's credit certificate;
7. Other materials that need to be provided.
(two) the qualification examination of qualified labor-intensive small enterprises to apply for small secured loans. Employment service agencies shall, according to the application of enterprises, examine the qualifications of loan applicants and report them to the finance department at the same level for examination. The content of qualification examination is:
Copy of business license of length;
2. A copy of the tax registration certificate;
3. loan application;
4. Valid certificates of newly recruited personnel who meet the application conditions for small secured loans in that year;
5, employee roster (corporate seal);
6. The labor contract signed by the enterprise and the new recruiter who meets the application conditions for small secured loans (copy);
7. Records of enterprises paying social insurance for employees (seal of social insurance agency):
8, enterprise wage payment voucher (payroll) (enterprise seal);
9. Other materials that need to be provided.
VII. Procedures and time limits
(a) review of information
Individuals applying for small-sum secured loans should apply to the community labor security service center or township labor security service station where they are registered, and fill in the Application Form for Promoting Employment with Small-sum Secured Loans (in triplicate) with the Employment Unemployment Registration Certificate issued by the human resources and social security department, the Military Retired Personnel Certificate issued by the army, the college diploma or the certificate of lost land issued by the township (street) labor security service station. County (city) district human resources and social security departments identified, recommended to specialized small secured loan guarantee institutions.
Labor-intensive small enterprises applying for small secured loans shall fill in the Application Form for Small Secured Loans for Labor-intensive Small Enterprises (in triplicate) and apply to the municipal labor employment service agencies.
(2) Field investigation
1. Check the authenticity of various materials provided by borrowers and counter-guarantors;
2. Understand the borrower's basic family situation and assets;
3. Understand the borrower's project operation, including annual income, expenditure and profit.
(3) Loan recommendation
According to the results of field investigation, make a decision on whether to agree to recommend the loan for the borrower's loan application.
(4) Guarantee
Fengyuan Investment Guarantee Co., Ltd. undertakes to guarantee the qualified loans, and feeds back information to individuals in time and returns relevant materials to those who do not meet the counter-guarantee conditions.
The time limit for qualification examination and guarantee is ten working days respectively.
Eight, complaint handling
The Re-employment Guidance Section of the Municipal Labor and Employment Management Office is responsible for guiding the city's small secured loans to promote employment and checking the completion of the target tasks.
Complaint Tel: 2868 1564
The above is related to the Hunan government's application for secured loans.
If you have any other questions, please come for detailed consultation.
It's an honor to help you.
What are the requirements for a discount loan for entrepreneurship in Zhuhai, Guangdong? Not a real interest-free loan
Zhuhai is one of the important cities in Guangzhou with rapid economic development. You can also apply for a discount loan to start a business here, which is suitable for friends with dreams to pursue their dreams. However, the requirements of commercial discount loans are different from ordinary loans, and the application process is also different. Here is a brief introduction.
In 2020, the discount policy for venture loans in Zhuhai has been introduced. Eligible people can apply for discount loans when starting a business in Zhuhai. The loan interest rises by 3 percentage points on the basis of the central bank's benchmark interest rate, and the local finance gives discount according to the actual probability. The benchmark interest rate of 1~3-year loans announced by the central bank is that if the loan interest rate is higher than this, you can enjoy preferential treatment.
First, Zhuhai commercial discount loan application conditions:
1. Borrower 18~45 years old or above, with Zhuhai household registration or fixed residence;
2. Have the ability to repay loans and provide loan guarantors;
3. Entrepreneurial projects must conform to the relevant national industrial policies and have market competitiveness.
Two, Zhuhai city commercial discount loan application process:
1. Application: The borrower should apply to the community in Zhuhai where the household registration is located, or apply for a loan to the resident community, and submit relevant materials.
2. Audit: After receiving the loan application and materials, the community conducts a preliminary investigation and verification of the applicant's identity, then issues a certificate, and then submits it to the sub-district office, which verifies the borrower's basic situation, project situation and repayment ability, issues a book, and then submits the audited materials and materials to the local loan handling bank in Zhuhai for final investigation and approval.
3. Bank loan: The bank will lend money after approval.
It should be noted that the discount loan for starting a business is not a real interest-free loan. After repaying the principal and interest on schedule, the borrower may apply for discount within 20 days after the end of each quarter or after paying off all the principal and interest.
What are the small and medium-sized enterprises that can apply for government discount loans?
Since 2005, the municipal government has issued a policy, starting with the special funds for the development of small and medium-sized enterprises, allocating 10 million yuan from it to provide financial subsidies for the financing costs of small and medium-sized enterprises in Jinan, and providing two subsidies, namely, loan interest subsidies and guarantee fees subsidies, to alleviate the embarrassment of financing costs of small and medium-sized enterprises. Then, what conditions must qualified small and medium-sized enterprises meet to apply for government discount loans? Today, I will introduce them to you.
First, meet the four conditions of notification subsidy:
According to the Notice on Giving Appropriate Financial Subsidies to the Financing Expenses of Small and Medium-sized Enterprises, eligible small and medium-sized enterprises must meet four conditions when applying for government subsidized loans.
Details are as follows:
1. Small and medium-sized enterprises registered in industry and commerce with independent legal personality;
2, small and medium-sized enterprises must be established for more than two years, in line with national policies and pay taxes on time, have a certain contribution to the local finance of this Municipality;
3. For enterprise financial accounting problems, it is necessary to standardize and improve the financial management system, and it is also necessary to submit enterprise financial information statements to the financial department on time;
4. Small and medium-sized enterprises with loans also need a good reputation, the ability to repay the principal and interest on time, and no bad credit record;
Two, small and medium-sized enterprises can apply for government discount loans:
1. Conditions: SMEs use bank loans.
5.00 million yuan
Loan result: You can apply for financing expense subsidy at a rate not exceeding 50% of the actual annual interest and guarantee expenses, with the maximum annual subsidy not exceeding 6,543,800 yuan.
2. Conditions: If the growing small and medium-sized enterprises use a bank loan of 500,000 yuan, the loan period is 12-24 months, and the single loan is 5 million yuan.
Loan result: You can apply for financing expense subsidy at a rate not exceeding 50% of the actual annual interest paid, with the maximum annual discount not exceeding 300,000 yuan;
In addition, the loan guarantee fee incurred in that year is also applied for financing fee subsidy according to 50% of the actual annual payment, and the maximum annual subsidy amount is not more than 50,000 yuan. Financing guarantee institutions are also supported.
The above are all the contents that eligible SMEs can apply for government discount loans. Have the small and medium-sized enterprises that need loans figured out the routine?
You can apply for a business start-up guarantee loan of up to RMB _ _ _ _ million yuan and enjoy the corresponding financial discount?
Personal commercial guarantee loan
(1) Eligibility for personal business guarantee loans.
1. Enjoy: starting a business in this county for the first time after 20 15 1, reaching the legal working age and having a good personal credit record, you can apply for a business guarantee loan within 3 years after the registration of the business license;
2. Enjoy the conditions: the applicant and family members (household as a unit) have no outstanding loan records except for student loans, poverty alleviation loans, housing loans, car purchase loans, and small consumer loans of less than 50,000 yuan (including credit card consumption);
3. Enjoy the standard: Self-employed entrepreneurs who meet the application conditions for business guarantee loans can apply for a business guarantee loan of up to 500,000 yuan.
(2) personal business guarantee loan discount
1. Enjoy the object: the person who has passed the qualification confirmation of business guarantee loan;
2. Enjoy the standard: college students and college graduates who have graduated within 5 years, people who have registered unemployment for more than half a year, people with employment difficulties, disabled people with certificates, self-employed cadres and retired soldiers who have started their own businesses, and their dependents (collectively referred to as key groups) are fully subsidized; Other personnel, on the basis of the borrower's commitment to the part below LPR- 150BP, the finance will give preferential treatment to the part above LPR- 150BP on the date of signing the loan contract;
3. Enjoy period: the discount period shall not exceed 3 years.
Conditions for government interest-free loans
Conditions for interest-free loans:
1. You must be a citizen of China. Applicants for personal interest-free loans must be at least 18 years old and cannot be over 45 years old. They are China citizens with full capacity for civil conduct. Foreigners are not allowed to apply.
2. Have a stable address and a local permanent address, that is, have a fixed residence and a local hukou. In other words, if the applicant wants to apply for an interest-free loan, he needs to apply at the place where the account is located.
3. Good credit information. Applicants for interest-free loans have good credit and repayment ability, stable work and income, and no bad credit record. Interest-free loans are different from other loans and need to provide guarantees and guarantors.
4. The purpose of the loan, which is the key to the interest-free loan conditions. If the loan is used for project construction or individual business, then the project is feasible, which is conducive to the sound development of social economy and has good social and economic benefits.
How to apply for an interest-free loan:
1. After meeting the interest-free loan conditions, the individual applies for registration and fills in the loan approval materials.
2. Banking institutions check loan applicants and commercial projects.
3, the bank audit institutions will determine whether to issue loans and loan quotas.
4. After approval, the banking institution notifies the applicant to fill in the loan contract; Finally, wait for the loan.
Extended data:
"Zero interest rate" is a loan contract reached between banks and individuals or organizations through mutual trust. Generally speaking, international private commercial banks provide interest-free loans, including bank loans for consumers' shopping or further study. A handling fee of 1% will be charged, which means that the income of the bank will at least offset the administrative expenses, and then the bank will cooperate with the request to join credit cards or various members or open trading accounts when making interest-free loans.
Process:
Small secured loans have a clear division of labor, and the labor department accepts the application, then the guarantee institution confirms the guarantee, and finally the bank applies for the loan. "If entrepreneurs want to apply, they can consult the local labor department. At present, individuals pay interest first, then financial subsidies, or financial interest subsidies in advance. The relevant plan has not yet been determined, but the financial interest subsidies are affirmative. "