To start a business in Hainan, ten groups of people can apply for personal business guarantee loans:
1. Urban registered unemployed
2. Persons with employment difficulties (including the disabled)
3. Demobilized veterans
4. People released from prison
5. Graduates from universities and secondary vocational schools (including university student village officials and returned students)
6. Resolving employees and unemployed people in enterprises with excess capacity.
7. Migrant workers returning home to start businesses
8. Individual farmers in rural areas
9. Online merchants
10. Set up a file to establish a card for the poor.
Among them, women entrepreneurs in the above groups are included in the scope of key support.
At the same time, the talents normally introduced in Hainan enjoy the policy of entrepreneurial guarantee loan.
Note that the above-mentioned personnel should also meet two conditions when applying for a business guarantee loan:
First, there are specific business projects;
Second, except for student loans, poverty alleviation loans, housing loans, auto loans, and small consumer loans of less than 50,000 yuan (including credit card consumption), when the applicant submits an application for a business guarantee loan, I and my spouse should have no other loans.
Second, how to apply for small business loans in Hainan
Encouraged by national policies, there are more and more flexible employment forms for college graduates, and self-employment is a good employment form. Hainan province also provides preferential policies for college graduates to start businesses. College graduates can enjoy financial discount when they apply for starting their own businesses. The brief content is as follows. 1. Application conditions: 1, college degree or above; 2. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department. Second, the loan term: the small-scale entrepreneurial loans provided by the state for college graduates are government-subsidized loans with a term of 1 ~ 2 years. No longer enjoy financial discount after 2 years. Third, the loan method: the way for college graduates to start their own businesses is to guarantee and mortgage (pledge) loans. Four. Note: Please consult the local labor and social security bureau for specific operation methods. In addition, there are other preferential policies for college students' entrepreneurship. For example, those who are engaged in self-employment will be exempted from administrative fees for industrial and commercial registration management within 1 year; Self-employed individuals and self-employed individuals can also trust their household registration files in the employment guidance service center for college graduates. Relevant departments should be consulted about the specific policies for college graduates to start their own businesses.
3. What about the loan for foreigners to start a business in Hainan?
First, Hainan venture loan application conditions
1. identification and business premises
The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.
2. Proof of funds
The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.
3. Settlement account
The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.
4. Letter of loan guarantee
Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly.
Second, the conditions of the guarantor of the venture loan
1. Entrepreneurs who apply for business guarantee loans are under the age of 18-57 (excluding 57) for men and under the age of 18-47 (excluding 47) for women, and do not enjoy retirement benefits.
2. Participate in entrepreneurship training and hold entrepreneurship training certificate.
3. engage in low-profit projects.
4. Having a fixed business entity in the place where the loan is located.
4. What conditions do foreigners need to buy a house in Hainan?
The conditions that foreigners need to meet when buying a house in Hainan are:
1, mortgage to buy a house, male buyers need to pay off all loans before the age of 65, and female buyers need to pay off all loans before the age of 60;
2. The buyer must have permanent residency in China;
3. Social security or individual tax in the sea;
4. The buyer's credit information is good and stable.
5. Need to comply with the local purchase restriction policy.
Opinions of the General Office of Hainan Provincial Party Committee and the General Office of the Provincial People's Government on Further Stabilizing the Real Estate Market
Article 4
Implement a strict purchase restriction policy and implement a global purchase restriction on the basis of the existing purchase restriction policy.
Household sales of residents in Wuzhishan, Baoting, Qiongzhong and Baisha in the central ecological core area.
In Haikou, Sanya and Qionghai, where the purchase restriction has been implemented, proof of payment of personal income tax or social insurance for at least 10 months or more is required for non-housing.
Outside the above-mentioned areas, if a non-registered household purchases a house, it is required to provide proof that at least one family member has paid personal income tax or social insurance for 24 months or more in our province.
Residents of this province can only buy one house, and must provide at least one family member who has paid personal income tax for 24 months or more in our province.
Cities and counties should strengthen the purchase of houses. Non-registered households in this province may not purchase houses by paying personal income tax or social insurance.
On the introduction of talent housing policy in our province