First of all, to correct a concept, it is not an interest-free loan, but a fully subsidized financial loan. That is, the state will pay the interest on your loan in the form of subsidies to the bank, you do not have to pay interest. But you have to bear the responsibility of default. And it is a small amount (up to 50,000).

Here are some regulations and ways and means that I have simplified for your situation:

I. The support object and scope of the loan

1. The applicant can not be more than 50 years old for women, and not more than 60 years old for men.

. 2, urban demobilized veterans.

Second, the amount of the loan, the period of time, the subsidized interest

1, engaged in self-employment of the maximum loan amount of not more than 50,000 yuan.

2, partnership and organization of entrepreneurship and registered by the business administration department, according to the number of partnership (organization), business projects, ability to repay loans, credit status and other specific circumstances to appropriately expand the size of the micro-guarantee loan, the maximum limit does not exceed 200,000 yuan. Labor-intensive enterprises identified by the relevant departments, according to the actual number of people recruited to determine the loan amount, the maximum limit of 2 million yuan.

3. The maximum loan period shall not exceed two years.

4, the urban demobilized veterans engaged in the development of services, catering and trade projects supported by the state (in addition to state-restricted industries), in accordance with the relevant provisions of the central government according to the facts of the full amount of interest subsidies. Re-employment bases and labor-intensive small business financial subsidies in accordance with relevant regulations.

5, the loan interest rate according to the People's Bank of China announced the level of the benchmark interest rate for loans to determine (if there is an upward fluctuation in accordance with the relevant documents).

Third, the loan procedures, the use of funds loans in accordance with the individual application, community recommendations, labor and employment services management agencies to review, loan guarantee institutions, commercial banks underwriting procedures, the borrower should be used as a loan for self-employment, entrepreneurship, or partnership and organization of the employment of liquidity, to ensure that the loan is earmarked for the purpose.

Four, the lender is required to submit the following materials

1, borrower ID card three copies, and show the original;

2, "re-employment preferential certificate" or "employment and unemployment registration certificate" three copies, and show the original;

3, "industrial and commercial business license" copy of two copies (copy), and show the original;

4, spouse Two copies of ID card, and show the original;

5, two copies of guarantor's guarantee commitment;

6, two copies of guarantor's unit certificate, signed and stamped by the person in charge of the unit;

7, two copies of guarantor's ID card, and show the original;

8, two copies of rental agreement or property certificate;

9, two copies of lender's marriage Two copies of the certificate of marriage of the borrower, and show the original;

10, two copies of the application approval form for small loans (the above information are filled out with a pen);

11, partnership should be submitted to the industrial and commercial sector issued by the validity of the partnership business two copies of the document, and show the original;

V. Loan Guarantee Mode According to the provisions of the relevant documents, the individual small loans can be made by the County of Civil servants or full-funded institutions on the job to provide counter-guarantees to the loan guarantee agency (50,000 yuan loan must be guaranteed by two guarantors).

Sixth, the loan subsidy micro-profit projects (in addition to national restrictions on construction, entertainment, real estate, intermediaries, Internet cafes, oxygen bars, profiteering industry) cottage industry, planting and planting industry, repairs and mending, lending and reading books, hotel services, restaurant services, laundry sewing and mending, photocopying and typing, hairdressing, commissary, moving, hourly service, household cleaning and sanitation services, primary health care services, infant and child care and education services, disabled children care and education services, education and training and foster care services for disabled children, elderly services, patient care, and transportation services for young children and students are all eligible for small loans.

Seven, the lender should be responsible for the obligations of the lender to obtain small loans, to be honest and trustworthy, strict fulfillment of the agreed responsibilities and obligations, consciously accept the relevant departments of the post-loan management, timely repayment of loans, and the establishment of a good credit record.

VIII, the guarantor shall bear the responsibility obligations according to the "Chinese People's *** and State Guarantee Law" and other laws and regulations and relevant policies, the lender loans such as overdue, by the guarantor to assume joint and several liquidation responsibility.