@, Lack of funds to start a business?Don't worry!Entrepreneurship guarantee loans to solve worries

In order to help various groups of communities in the society, the state provides individual independent entrepreneurship, partnership operations, and small and micro enterprises with a maximum of not more than 200,000 yuan, 1.1 million yuan, and 3 million yuan. Based on the current loan market quotation interest rate, borrowers and borrowing companies only need to bear 2.2%of the annual interest rate.

Let's take a look at it together!

Bleak

01

What conditions do you need to apply?

For personal application for entrepreneurial guarantee loans, it is necessary to be within the legal age and meet the following conditions:

First, it belongs to a key employment group, which specifically includes: urban registered unemployed personnel, employment difficulties, re -employment retired soldiers, criminal release staff, ordinary college graduates within 5 years of graduation, employees and unemployed people who resolve excess production capacity and unemployed, returned to their hometowns Entrepreneurship migrant workers, online merchants, rural independent entrepreneurial farmers, and poverty alleviation;

Second, except for student loans, poverty alleviation loans, housing loans, car purchase loans, small consumer loans (including credit card consumption) under 50,000 yuan, I and their spouse should have no other loans;

Third, there are specific business projects in Changsha.

Small and micro enterprises apply for entrepreneurial guarantee loans, and the following conditions must be met:

First, the number of people who newly recruited the application for the application for entrepreneurial guarantee loans that year reached 15%of the number of employees existing employees (more than 100 companies reached 8%);

The second is to sign a labor contract with the new recruitment employee for more than one year;

Third, the unit's credit record is good, without arrears of the wages of employees, and owed social insurance premiums such as illegal and illegal credit records.

Bleak

02

How much loan can I apply for? How long can I loan?

The maximum loan amount of individual self -entrepreneurial business is 200,000 yuan, and the loan period is not more than 3 years;

If a partnership entrepreneurial or organizational start -ups, according to the number of eligible people, the maximum loan amount is 1.1 million yuan, and the loan period is not more than 3 years;

The maximum loan amount that small and micro enterprises can apply for is 3 million yuan, and the loan period is up to 2 years.

Bleak

03

What is the loan interest rate?

The maximum loan interest rate does not exceed the loan market quotation interest rate+1.5%. The borrower and borrowing enterprises only bear the loan market quotation interest rate below-1.5%, and the remaining part of the finance is given discount.

For example, the current loan market quotation interest rate is 3.7%. When the loan interest rate is 5.2%, the borrower and borrowing enterprises only need to bear the annual interest rate of 2.2%.

Bleak

04

How to apply?

Individuals or enterprises who meet the loan conditions shall apply to the area where the entrepreneurial area (county, city) is located or municipal -level human -social and social departments. Those who apply for a personal entrepreneurial guarantee loan can also be used to the community or street (township) where the entrepreneurial place is located. Submit an application with the Social Security Service Center (station). After reviewing and conducting field investigations by the Human Resources and Social Security Department, it is recommended to go to the Bank to go through the loan procedures.

Bleak

05

If there is any unclear related content, you can call the following market or district, county (city) human -social department to call for consultation

Source 丨 Changsha Published

Supply 丨 Changsha Employment Service Center

Edit 丨 Tangwei School Division 丨 Wen Chunyan

Review 丨 Du Jin

- END -