Credit cooperatives need physical and fixed assets to guarantee instant loans, such as a bank loan of 50,000 yuan. They need specific policies such as physical mortgage, real estate, land and deposit certificate pledge.
Second, the conditions of rural entrepreneurship loans
Legal analysis: the conditions of rural venture loans mainly include: 1. At least 18 years old, with full capacity for civil conduct; 2. Have local permanent residence and permanent residence; 3. Entrepreneurial projects are in line with national industrial policies, products meet social needs, and the predicted economic benefits are good; 4. Have the ability to repay the loan principal and interest on time; 5. Be law-abiding, honest and trustworthy, and have no bad credit record; 6. Have a settlement account in the loan bank.
Legal basis: Article 14 of the Opinions of the General Office of the State Council on Supporting Migrant Workers and Other Personnel to Return to their Homes for Entrepreneurship lowers the threshold for returning to their hometowns for entrepreneurship. We will deepen the reform of the commercial system, implement the reform of the registered capital registration system, optimize the registration method of returning home to start a business, simplify the registration procedures of entrepreneurial residences (business premises), and promote the reform of residence registration systems such as "one address with multiple photos" and cluster registration. Relax the business scope, encourage returning migrant workers and other personnel to invest in rural infrastructure and set up various rural undertakings.
3.202 1 What benefits do entrepreneurs of Hunan returnees have?
Preferential policies mainly include the following four aspects:
First, in terms of funds, broaden financing channels. We will implement the system of letters of credit and farmers' joint loan, lower the threshold of loan guarantee and mortgage standards, and increase credit support for entrepreneurs returning home.
Second, in terms of tax incentives, the local retained portion of enterprise income tax paid in accordance with regulations within three years after the registration of enterprises founded by returning migrant workers is arranged by the financial department for enterprises. For migrant workers who return home to start businesses, the relevant departments should appropriately raise the business tax threshold.
Third, in terms of financial support, intangible assets such as housing property rights, machinery and equipment, large-scale durable consumer goods and securities, registered trademarks and invention patents. The migrant workers who return home to start businesses are fully certified and can apply for loans from financial institutions as collateral. And explore the use of land transfer management rights, commercial forest rights, farm houses, agricultural production houses and so on. As a mortgage guarantee, provide loans for migrant workers to return home to start businesses.
Fourth, in the entrepreneurial site, through legal means such as leasing and contracting, guide and encourage migrant workers who return home to start businesses to use idle land in rural areas, idle factories, marginal land in towns and villages, merged primary and secondary school buildings, barren hills and wasteland and other sites to start businesses. It is allowed to revitalize the stock of collective construction land through village renovation, give priority to replacing collective construction land for migrant workers to return home to start businesses, and charge collective non-agricultural land fees by half.
Five, specific to the local situation, you can go to the relevant departments for consultation.
4. I am a rural hukou in Henan, and I want to borrow 50,000 to 70,000 yuan to start a business. What conditions do I need?
To * * * the Youth League Committee or the Women's Federation and other departments, the conditions for applying for interest-free loans for starting a business vary from place to place, and the guarantor (with financial salary of RMB, paid off in 2 years). Please adopt it from the eighth month after issuance, and pay it off in eight months without interest.