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What procedures does hua county Human Resources and Social Security Bureau need for a small secured loan?

service guide for small-sum secured loans in hua county

I. Qualification identification of secured loan objects

The qualifications of lenders are as follows: laid-off and unemployed people who are honest and trustworthy and have entrepreneurial conditions (Employment Unemployment Registration Certificate) and demobilized military personnel (valid certificates of military retirement and "Certificate of Entrepreneurship") within the legal working age. Migrant workers who return to their hometowns to start businesses to apply for small secured loans shall be investigated and audited by the township human resources and social security offices where their household registration is located, and the county guarantee centers that declare individuals will no longer accept them.

2. Preconditions for secured loans

1. Eligible loan applicants and spouses cannot have loans or guarantees.

2. Credit loans need to be counter-guaranteed by on-the-job personnel who are paid in full by the county finance, and the counter-guarantor cannot have loans or guarantees.

Third, the conditions that a secured loan must meet

1. The applicant or its partnership entity must have certain capital operation ability, such as having a fixed business site and having certain self-owned funds.

2. The business projects engaged in must comply with the relevant national policies and regulations, that is to say, they must be low-profit discount projects with less investment, less risk, quick results, good returns and repayment ability.

3. The applicant has no bad credit records in banks, public security and other units, and has an account in our county.

4. Low-profit projects supported by secured loans

refer to cottage industries, repair and replacement, book borrowing, hotel services, catering services, small tables, canteens, moving, hourly services, household cleaning and sanitation services, primary health care services, infant care and education services, training and sustenance services for disabled children, and canteens, except for construction, entertainment and advertising.

V. Loan application procedures

1. Voluntary application. Eligible applicants shall submit a written application to the township (street) and community labor and social security department where their registered permanent residence is located (including the Application for Small-sum Guaranteed Loan and Low-profit Project in hua county), in duplicate; Application and Approval Form for Financial Discounted Loan for Small-sum Guaranteed Loan with Low Profit, in duplicate, etc.). At the same time, the original and photocopy of the valid identity certificate (ID card and household registration book) of the loan applicant and spouse, the original and photocopy of the qualification certificate (graduation certificate and employment unemployment registration certificate, etc.), the original and photocopy of the legal business certificate (copy of business license or relevant business certificate) and other materials shall be submitted.

2. Review recommendations. After receiving the application, the township (street) or community labor and social security department investigates the qualifications, integrity, business premises, project market prospects and individual entrepreneurial ability of the loan applicant, and focuses on whether the loan applicant has a bad credit record, bad behavior or economic violations. Those who pass the preliminary examination issue recommendations and report them to the county microfinance guarantee center.

3. provide counter-guarantee. The loan applicant must provide counter-guarantee, submit 2 copies of the Counter-Guarantor's Unit Certificate and Counter-Guarantor's Commitment Letter and 1 copies of the ID card, and handle the guarantor's commitment guarantee formalities at the guarantee center.

4. Issue loans. The guarantee center will transfer the relevant materials of qualified loan applicants to the handling bank, which will sign a loan contract with the borrower and issue loans.