College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 65,438+00% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital will increase to more than 50% within 65,438+0 years, and the balance can be put in place by stages within 3 years.
Enterprises or business units newly established by university graduates in consulting industry, information industry and technical service industry shall be exempted from enterprise income tax for two years with the approval of tax authorities; Newly established enterprises or business units engaged in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year with the approval of the tax authorities, and the enterprise income tax shall be reduced by half in the second year; Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residents' service industry, catering industry, educational and cultural undertakings and health undertakings shall be exempted from enterprise income tax for one year with the approval of the tax authorities.
Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries should provide loans with simplified procedures and convenient account opening and settlement for self-employed graduates, with a loan amount of about 20,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is 5 times of the guarantee fund, and the term is the same as the loan term.
The personnel intermediary service institutions affiliated to the personnel administrative department of the government keep personnel files (including social security, professional titles, file wages and other related procedures) for free for self-employed graduates for 2 years; Provide free information on the supply and demand of talents and labor force, and publish free recruitment advertisements and other services; To participate in talent fairs or talent service exchange activities, appropriate fee reduction; Provide training and evaluation services for entrepreneurial employees.
Interim Measures of Hebei Province on Personal Housing Mortgage Loan for Employees
Chapter I General Provisions Article 1 According to the Notice of the Provincial Government on Strengthening the Management of Housing Funds (Zheng Ji [1994] 109), the Interim Measures for the Management of Housing Funds in Hebei Province (Zheng Ji Housing Reform [1995] No.54) and the Trial Measures for the Management of Personal Housing Guaranteed Loans by the People's Bank of China. Article 2 The term personal housing mortgage loan as mentioned in these Measures (hereinafter referred to as loan) is a special loan issued by the housing fund management centers at all levels in our province (hereinafter referred to as the center) entrusting banks to use housing provident fund to directly purchase affordable housing and "housing projects" to build housing. The loan business procedures shall be handled by the entrusted bank. In order to guarantee the legitimate rights and interests of both borrowers and borrowers, this loan adopts a combination of real estate mortgage and home insurance. Article 3 These Measures shall apply to the towns that have implemented the housing system reform and established the housing accumulation fund system in our province (the system departments that independently implement the housing reform plan in Hebei Province may refer to the implementation). Chapter II Loan Objects and Conditions Article 4 Loan Objects. Employees who establish housing provident fund system in cities and towns (including employees of foreign-funded enterprises). You can apply for a personal housing mortgage loan. The loan applicant shall meet the following conditions:
1. Have permanent residence or valid residence status in the local town;
2. Participate in the local housing reform and pay the housing accumulation fund normally;
3. There is a sum equivalent to 30% of the total purchase price as the down payment for the purchase;
4. There is a purchase contract or agreement;
5. Have stable professional and economic income and the ability to repay the principal and interest of the loan;
6. Agree to handle property mortgage, pledge and pledge insurance in accordance with the provisions of these Measures. Chapter III Loan Amount, Term and Interest Rate Article 5 Loan Amount. The loan amount is 30% × 12 months of the sum of the monthly salary base of the housing provident fund paid by the borrower and his wife, and then multiplied by the loan period. Article 6 Term of loan. The longest loan term shall not exceed 65,438+00 years, and the specific loan term shall be chosen by the borrower. Article 7 loan interest rate. The interest rate of employees' individual housing loans (settled monthly or quarterly) shall be based on the interest rate of employees' individual housing provident fund deposits carried forward from the previous year, with a specified spread: 1.8 percentage points in five years, and 2.34 percentage points in five years to 10 years; Municipalities can determine the specific implementation of the annual interest rate within this range. In case of adjustment of the national deposit and loan interest rate, the new loan interest rate shall prevail, and the annual loan interest rate shall be adjusted accordingly. Chapter IV Loan Procedures Article 8 Loan Procedures
I. Loan applicant
The loan applicant shall go to the "Center" to fill in the "Application Form for Individual Housing Loan" and submit the following materials:
1. Legal and valid identity certificate and economic income certificate issued by the unit;
2. Purchase contract or written agreement;
3. Appraisal report and appraisal report of mortgaged real estate;
4. Other relevant certification materials.
2. The Center examines the borrower's loan application and various supporting materials. After passing the examination, the entrusted bank shall conduct a credit investigation on the applicant borrower and submit the investigation results to the Center. If the loan conditions are met, the center will issue a loan commitment letter to the borrower.
3. The borrower signs the purchase contract with the selling unit with the loan commitment letter and deposit certificate, and the selling unit also signs the purchase contract.
Four, the borrower with the purchase contract to the designated insurance institutions for mortgage housing insurance, with securities as collateral does not apply for insurance.
Five, the borrower with the purchase contract, mortgage contract, real estate custody contract and insurance policy, signed a "personal housing mortgage loan contract" with the entrusted bank, to the real estate management department for mortgage registration.
VI. The Center shall timely transfer the loan funds into the entrusted loan fund account opened in the entrusted bank, and the entrusted bank will timely transfer the borrower's deposits and loans into the account of the selling unit according to the requirements of the contract signed between the borrower and the selling unit. Chapter V Mortgage of Loans Article 9 Mortgage of Property
1. If the borrower uses the house he has purchased as collateral for the loan, he must use the full value of the house as collateral for the loan. Where real estate is mortgaged, the mortgagor and the mortgagee shall sign a written mortgage contract, and go through the mortgage registration formalities at the department determined by the local people's government at or above the county level before the loan. The relevant contents of the mortgage contract shall be implemented in accordance with Article 39 of the Guarantee Law of People's Republic of China (PRC).
Two, during the mortgage period, the mortgagor (borrower) shall not transfer, sell or mortgage the rights and interests of the purchased property or the purchase contract again. Where securities are mortgaged, the mortgagor (borrower) shall not report the loss or claim the principal, interest and income of the mortgaged securities for any reason.
3. During the mortgage period, the mortgagor (borrower) shall not do anything that harms the interests of the lender with respect to the mortgaged property (house) in his possession. If it is necessary to transfer, it shall be agreed by the center and the entrusted bank, and the corresponding procedures shall be handled. Before the expiration of the mortgage period, the entrusted loan bank or the "center" shall not dispose of the mortgaged property without authorization. Article 10 After the mortgage relationship is dissolved, the entrusted bank shall return all the rights and interests documents of the mortgage to the mortgagor (borrower) and handle the mortgage cancellation procedures with the real estate management department registered by the mortgagor.
Details of student loan process in Hebei Province
The process of handling student loans:
1, prepare materials. Prepare relevant materials to register with the student financial assistance management department of the local education bureau, and receive the "Application Form for Student Credit Loan of China Development Bank";
2. Review the materials. The borrower and * * * together with the borrower shall register and receive the form at the Student Financial Assistance Management Section of the County Education Bureau, and they shall present two identification materials, an application form and a postal account number, and the materials shall be reviewed by the staff of the Student Financial Assistance Management Section of the County Education Bureau;
3. sign the contract. The borrower and * * * sign the Loan Contract for Student Credit Loan of China Development Bank with the borrower, sign the loan contract and authorize the Postal Savings Bank to deduct the loan principal and interest from the above account;
4. Return the contract receipt. After the loan contract is signed, students can report to colleges and universities with the contract. From 20 1 1, students only need to go to the financial aid center of colleges and universities to handle the electronic receipt, instead of mailing the paper receipt.
5. Loan issuance and payment. According to the contract, the Postal Savings Bank will issue loans on the date agreed in the contract and wire the loan funds to the designated account of the borrowing student's university;
6. Repay the loan. After the borrower graduates, the students and the borrower are responsible for timely and fully depositing the funds into the personal account according to the loan contract.
Is there a private loan in Cangzhou, Hebei?
Yes In Cangzhou, Hebei Province, in order to meet people's demand for borrowing money, private lending is open. Hebei Province, referred to as "Ji" for short, is the capital of Shijiazhuang and one of the birthplaces of the Chinese nation. During the Warring States period, most of Hebei belonged to Zhao and Yan, so Hebei was also called the land of Yan and Zhao.
How to repay the 300,000 loan of Hebei Provident Fund?
Legal subjectivity:
When handling provident fund loan procedures in Hebei Province, you can directly consult the provident fund management center for loans, and then prepare materials for the staff to review after knowing the relevant information. After the audit, the staff will evaluate the actual situation of the applicant, and then entrust the bank to handle the relevant loan within 6 working days. The following is a detailed answer to the problem of Hebei province provident fund loan process. 1. How to borrow the provident fund loan in Hebei Province 1. Workers consult the provincial housing provident fund management center for loans, understand the loan qualification and loan amount, submit relevant documents, receive and fill in the application approval form, and apply for loans. 2. The provincial housing fund management center conducts a preliminary examination according to the information provided by the applicant, examines the applicant's loan qualification, verifies the authenticity of the application materials and house purchase transactions, interviews the applicant, establishes interview records, and verifies the authenticity of the house purchase contract or house ownership certificate in conjunction with the real estate management department when necessary. Determine the loanable amount, term and interest rate, and make a decision on whether to accept it or not. If it is not accepted, explain the reasons and return the application materials. 3. After the application is accepted, it shall be submitted to the central loan approval team meeting for approval. The examination and approval team examines the applicant's identity, housing provident fund deposit, repayment ability, personal credit, house purchase transaction status, price or value, and guarantee ability. , and put forward opinions on granting or not granting loans; If approved, put forward the examination and approval opinions on the specific loan amount, term and interest rate. 4 loan approval is generally completed within 6 working days from the date of acceptance. If the loan is granted, the relevant materials shall be submitted to the entrusted loan bank within 1 working days, and the entrusted loan bank shall handle the relevant procedures. 5. Approved, the provincial housing fund management center shall notify the borrower and his spouse, the property owner (mortgagor) and the guarantor to sign the provident fund loan and guarantee contract with the loan bank entrusted by the center, handle the mortgage registration, and the borrower shall sign the loan receipt. 6. After the Loan and Guarantee Contract comes into effect, the Provincial Housing Fund Management Center signs the Entrusted Loan Agreement with the entrusted loan bank, and issues the Notice on the Allocation of Entrusted Loan Funds. The entrusted loan bank issues loans according to the loan conditions agreed in the loan contract, and transfers the funds to the deposit account of the developer, construction unit or intermediary company. 7. After the loan is issued, the loan department shall sort out the filing materials according to the Measures for the Administration of Housing Provident Fund Loan Files. After the loan materials are filed, they shall be handed over to the archives room as required. 2. Hebei Province Provident Fund Loan Location (Shijiazhuang) No.69 Yuhua West Road, Shijiazhuang City (northeast corner of the intersection of Yuhua West Road and Xili Street). Three. Hebei Provident Fund Loan Law stipulates that the Regulations on Housing Provident Fund Management shall be revised according to the Decision of the State Council on Amending Some Administrative Regulations on March 24, 2009). Eleventh housing provident fund management center shall perform the following duties: (1) to formulate and implement the plan for the collection and use of housing provident fund; (two) responsible for recording the deposit, withdrawal and use of employee housing provident fund; (three) responsible for the accounting of housing provident fund; (four) to approve the extraction and use of housing provident fund; (five) responsible for the preservation and return of housing provident fund; (six) the preparation of housing provident fund collection and use plan implementation report; (seven) to undertake other matters decided by the housing provident fund management committee. Twelfth housing provident fund management committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. The above is the related content compiled by Bian Xiao. When handling provident fund loan procedures in Hebei, you can directly prepare materials and submit an application to the provident fund management center. After examination, the staff will entrust a qualified bank to sign a loan contract within 6 months. If you have other needs, please do one-on-one legal consultation online.
Which banks are Hebei forest right certificate loans looking for?
Hebei forest right certificate loans to Hebei rural credit cooperatives, Hebei Construction Bank, Hebei Agricultural Bank, Hebei Postal Savings Bank, Hebei Rural Cooperative Bank and other institutions. According to relevant information, in order to apply for forest right certificate loans in Hebei, you can go to Hebei Rural Credit Cooperatives, Hebei Construction Bank, Hebei Agricultural Bank, Hebei Postal Savings Bank, Hebei Rural Cooperative Bank and other institutions.