First, the maximum loan for a small secured loan is 1, yuan, and the loan period is two years. If you are engaged in low-profit projects, the state will increase the interest by 3 percentage points according to the benchmark interest rate.
2. The principle of "territorial management" is applied for small secured loans, so you should apply for it at the employment bureau where your household registration is located. The required procedures, certificates and procedures are as follows:
(1) Handling financial institutions to directly handle loans
Step 1: Lending by financial institutions. The borrower applies to the handling financial institution and provides relevant loan application materials. The handling financial institution accepts and reviews according to the provisions of the credit policy, and if it meets the credit access, the handling financial institution lends money according to the provisions.
step 2: discount recommendation and filing. For those who meet the conditions of financial discount and do not need counter-guarantee from the guarantee institution, the handling financial institution will issue the Guidance and Recommendation Form for Small Loan Entrepreneurship, and the borrower will provide the following information to the local employment bureau (labor and social security institution in credit union area, the same below) for filing within 1 working days after obtaining the loan:
1. The Guidance and Recommendation Form for Small Loan Entrepreneurship issued by the handling financial institution;
2. Original and photocopy of industrial and commercial business license and tax registration certificate (partnership agreement and photocopy of partner's ID card are also required for partnership operation);
3. Original and photocopy of the bank loan contract;
4. Personal documents: original and photocopy of ID card, household registration book, Re-employment Concession Certificate or Unemployment Certificate (Employment Unemployment Registration Certificate), Assistance Concession Certificate, valid military discharge certificate, and proof that rural workers have entered the city to start businesses.
step 3: qualification and condition review. The Employment Bureau shall, within 5 working days, organize personnel to verify the project situation, employment situation, operation situation and loan situation of the applicant for the record, and collect relevant information. The Employment Bureau will submit the record and verification to the Labor and Social Security Bureau for examination and confirmation on a monthly basis (if it is reviewed, handled and verified by the labor and social security institutions in the credit union area, it will be reported to the Employment Bureau for examination and confirmation by the labor and social security institutions in the credit union area, and will be summarized on a monthly basis and reported to the Employment Bureau for record).
Step 4: Participate in training and provide entrepreneurial services. The Employment Bureau organizes qualified personnel to participate in entrepreneurship training organized by the labor and social security department and entrepreneurship service organized by the Entrepreneurship Guidance Center of the Employment Bureau in a timely manner in accordance with the relevant policies and regulations on entrepreneurship to promote employment; Strengthen daily management, tracking services, etc., and establish relevant basic management accounts, and establish and improve the management service operation mechanism.
III. Small secured loan institutions guarantee to handle loans
Step 1: The borrower participates in entrepreneurship training organized by the labor and social security department, project provision and business guidance organized by the Entrepreneurship Guidance Center of the Employment Bureau, and obtains a certificate of passing the training (completion).
Step 2: The borrower applies to the community where the household registration is located, fills in the Confirmation Form for the Application of Small Guaranteed Loan for Individual or Partnership Entrepreneurship in Guangyuan City (hereinafter referred to as the Confirmation Form for Personal Loan Application), and provides relevant loan application materials. The borrower shall provide the following information to the community where his household registration is located:
1. The original and three copies of the ID cards of both husband and wife;
2. The original and 3 copies of the husband and wife's household registration book;
3. Original and 3 copies of marriage (divorce) certificate or unmarried certificate;
4. Original and 3 copies of the certificate of business premises;
5. Original and 3 copies of the certificate of completion of "SIYB" entrepreneurship training;
6. Demonstration report of small secured loan project;
7. The original residence certificate and 3 copies issued by the community where the husband and wife live;
8. One inch recent photo of both husband and wife;
9. 3 copies of Personal Loan Application Confirmation Form;
1. The original and three copies of the industrial and commercial business license and tax registration certificate.
step 3: community review. After the community where the borrower's household registration is located has passed the examination, it shall endorse the examination opinions in the Personal Loan Application Confirmation Form, and report the qualified materials to the sub-district office where the borrower's household registration is located.
step 4: democratic appraisal and qualification examination. The subdistrict office where the borrower's household registration is located shall review the borrower's loan qualification and application materials within 5 working days after receiving the above information from the borrower, and conduct on-the-spot inspection of the borrower's business premises and organize democratic appraisal. The appraisal results shall be publicized in the subdistrict office and community where the borrower is located for 3 days respectively, and the examination opinions shall be endorsed in the Personal Loan Application Confirmation Form. Finally, all the materials that meet the loan conditions shall be reported to the office of the local small secured loan coordination leading group.
step 5: review. The Office of the Small Guaranteed Loan Coordination Leading Group shall, within five working days after receiving the application materials, organize labor and social security, finance, employment, guarantee institutions and other units to conduct centralized and unified examination and approval of the loan application materials of the applicants for small secured loans within their jurisdiction, and endorse the opinions of the joint examination in the "Personal Application Confirmation Form". Review the financial institutions that meet the loan conditions and send them to undertake small secured loans.
Step 6: Lending survey. Audited eligible applications for small-sum secured loans shall be investigated by the handling financial institutions before lending, and the Office of the Small-sum Secured Loan Coordination Leading Group shall be informed within five working days whether or not to give the opinions on loans, and the applications for small-sum loans that need to be secured shall be reported to the Small-sum Secured Loan Coordination Leading Group for examination and approval.
step 7: loan guarantee procedures. If the borrower meets the application conditions and needs to provide counter-guarantee procedures after examination, it can do so in the following four ways:
1. With the approval of the county labor and social security department, the small-sum guarantee institution where the borrower is located will conduct the examination according to the loan risk procedures, and if the examination needs to provide counter-guarantee procedures, the small-sum guarantee institution will handle the counter-guarantee procedures according to regulations within 4 working days.
2. upon the appraisal and approval of the financial institutions handling small secured loans, my house (with complete two certificates), cars, machinery and equipment (with purchase invoices), large durable consumer goods or marketable securities can be used as collateral, and the registration department is exempt from mortgage registration fees for houses or other finances used for mortgage.
3. The borrower provides counter-guarantee with personal credit by the on-the-job staff of government agencies and institutions and other people with stable income after being appraised and approved by the financial institutions handling small secured loans.
4. If there is no third party's counter-guarantee, the borrower can counter-guarantee the assets such as accounts receivable, trademarks, patents, equity and property rights upon the assessment and approval of the financial institution handling small secured loans.
if one of the following conditions is met, the counter-guarantee may be exempted, and the relevant departments or institutions under review shall issue certificates or vouchers for the exemption of counter-guarantee.
1. Laid-off and unemployed workers who have passed the examination of entrepreneurship training, completed the project entrepreneurship plan and passed the expert argumentation in the community where the pilot project of establishing a credit union area was carried out, signed the Loan Commitment Letter with the credit union area after being recommended by the labor and social security office of the jurisdiction and reviewed and agreed by the county and district labor and social security departments.
2. Self-employed credit cooperatives in the area and obtaining industrial and commercial business licenses are recommended by the labor and social security offices in the area, and approved by the county and district labor and social security departments.
3. The on-the-job staff of government agencies and institutions, domestic-funded enterprises with good economic benefits and foreign-funded enterprises with a certain scale have more than 5 middle-level cadres (managers) and department staff, and the handling financial institutions can directly issue small secured loans.
Step 8: Lend money. Upon examination, if it meets the conditions for lending, the handling financial institution shall sign a Loan Contract with the borrower and issue loans to the borrower within 5 working days after signing the contract.