Notice on Issuing the "Implementation Measures for Small Guaranteed Loans in Bishan County" Bi Employment Office [2008] No. 17

Publication time: 2009-1-7 14:12:01

Notice on Issuing the "Implementation Measures for Small-amount Guaranteed Loans in Bishan County"

Bi Employment Office [2008] No. 17

Bishan County Small-Amount Guarantee Loan Implementation Measures

Chapter 1 General Principles

Article 1: In order to better implement the small-amount guaranteed loan policy, the purpose of achieving the multiplication effect of employment and re-employment is achieved by promoting employment through entrepreneurship. According to the "Opinions of the General Office of the Chongqing Municipal People's Government on Guiding and Encouraging Migrant Workers to Return to Their Hometowns to Start Businesses" (Yu Ban Fa [2008] No. 296) and the "Chongqing Municipal Small Guaranteed Loan Measures" (Yu Employment Ban [2008] No. 16) Based on the relevant spirit and the actual situation of our county, these implementation measures are specially formulated.

Article 2 Small-amount guaranteed loans follow the principles of “voluntary application, mortgage guarantee, interest payment on schedule, principal repayment upon maturity, and government interest discount”.

Article 3 The financial institutions undertaking small-amount guaranteed loans in our county are Bishan Branch of Chongqing Rural Commercial Bank and Bishan Branch of Bank of Chongqing.

Article 4 The municipal and county finances shall allocate special funds as small loan guarantee funds and deposit them into the Bishan Branch of the Rural Commercial Bank and the Bishan Branch of the Bank of Chongqing. The lending financial institution shall issue small guaranteed loans at a ratio of 1:3 between the guarantee fund and the loan balance. The small-amount guaranteed loan guarantee fund must be stored in a special account, run in a closed manner, and calculate interest based on the unit's current deposit.

Article 5 The principal and interest of small-amount guaranteed loans that cannot be recovered overdue shall be handled in accordance with the "Chongqing Interim Measures for the Write-off of Bad Debts of Small-Amount Guaranteed Loans" (Yu Employment Office [2006] No. 25).

Chapter 2 Scope, objects and conditions of small-amount guaranteed loans

Article 6 Scope of small-amount guaranteed loans: Small-amount guaranteed loans are carried out throughout the county.

Objects of Article 7 Small Guaranteed Loans

Lay-off and unemployed persons and demobilized retired soldiers in our county who have terminated their labor relations and are engaged in self-employment or partnership business within the jurisdiction of this city. Arrange work for self-employed persons, unemployed college graduates who have registered as unemployed, registered unemployed persons in other cities and towns, and migrant workers from Bishan (including those who work in cities for business, those who return to their hometowns to start businesses, and labor brokers) (hereinafter referred to as All types of personnel); small businesses or partnership entities with less than 300 employees and more than 20% of all types of personnel (who have signed a labor contract with the enterprise for more than one year and participated in social insurance).

Article 8 Conditions for small-amount guaranteed loans

To apply for a small-amount guaranteed loan, men must be under 60 years old and women must be under 55 years old (retired personnel, older laid-off workers Except), natural persons with full capacity for civil conduct, who are healthy, honest and trustworthy, have received employment and re-employment training (all types of personnel with a loan amount of more than 50,000 yuan must participate in entrepreneurship training), have certain labor skills, and belong to the neighborhood committee of the community where they are located. Permanent residence. A partnership entity or small business must have a fixed business location and a certain amount of its own capital. The business projects must be low-profit projects (industries expressly restricted by the state, such as construction, advertising, housing agencies, pawns, saunas, massages, Internet cafes, oxygen bars, as well as beauty, hairdressing, water bars, bars, foot washing, finance and insurance) Except for the postal and telecommunications industry, entertainment industry, sale of real estate, transfer of land use rights, etc.).

Small secured loans are mainly used to supplement loan applicants’ insufficient liquidity.

Chapter 3 Amount, term and interest rate of small-amount secured loans

Article 9 Amount of small-amount secured loans

All types of personnel are engaged in self-employment, In principle, the application for a small secured loan should be within 50,000 yuan; for those with strong entrepreneurial ability and excellent entrepreneurial projects, the loan limit can be relaxed to 80,000 yuan; for those who employ more than 2 people of various types, the production and operation are normal, the benefits are good and For individual industrial and commercial households that are eligible for small-amount secured loans, the loan amount shall in principle be within 100,000 yuan. For partnership entities or small businesses with less than 300 employees and more than 20% of all types of personnel to apply for small guaranteed loans, the total loan amount shall be calculated based on 50,000 yuan per capita, and the total loan amount shall in principle be within 1 million yuan.

Small business loans are not subject to corporate credit rating assessment.

Article 10 The term of small secured loans

The term of small secured loans is one year, calculated from the date of the loan, and the borrower should repay on time. If you really need to continue the loan, you should submit a loan renewal application to the County Employment and Reemployment Office (County Employment Bureau) 30 days before the expiration of the loan. After review and approval, the institution will notify the borrower to go through relevant procedures. The borrower must pay off the principal and interest of the loan before renewing the loan, and the renewal period is one year. If the borrower still needs a loan after the loan renewal period expires, he or she can directly apply for a commercial loan from the lending financial institution, and the government will no longer provide interest discounts.

Article 11 The interest rate of small secured loans shall be increased by 3 percentage points based on the benchmark loan interest rate announced by the People's Bank of China. The interest rate is fixed during the loan period. If the base interest rate is adjusted, the loan interest rate will not be adjusted and interest will not be calculated in installments.

Chapter 4: Loan repayment, interest payment, guarantee, mortgage (pledge) methods of small secured loans

Article 12 From the date of obtaining the loan, the borrower shall The loan contract pays interest quarterly and repays the principal upon maturity. If the loan is overdue, penalty interest shall be calculated in accordance with the provisions of the People's Bank of China, and the penalty interest shall be borne by the borrower.

Article 13 Guarantees and Mortgage (Pledge) of Small Guaranteed Loans

(1) The legal person guarantee must meet the following conditions at the same time: the enterprise’s production and operation status is in good condition, and the annual tax The final profit is more than 50,000 yuan; and the real estate is more than 1.5 times the loan application amount.

(2) The personal guarantee must meet the following conditions: a property or securities of equivalent value that is more than 1.2 times the loan application amount; a personal guarantee amount for civil servants and public institution employees with stable income within the county It shall not exceed 2 times of its annual income (annual income certificate issued by the unit), and the maximum shall not exceed 100,000 yuan. The specific guarantee amount is:

The guarantee amount for civil servants in government agencies and on-the-job staff of public institutions is within 50,000 yuan; the guarantee limit for serving deputy bureau-level leaders of government agencies and public institutions is within 70,000 yuan; The guarantee amount for current leaders at the bureau level and above is within 100,000 yuan. In some companies (see the list of companies whose employees can guarantee), the personal guarantee amount for general employees with stable income is within 30,000 yuan, and for mid-level and above-employed cadres, the guarantee amount is within 50,000 yuan.

The guarantor and his or her employer must provide a small-amount guaranteed loan guarantee letter. The guarantor should sign the guarantee letter. At the same time, the legal representative of the guarantor’s employer must sign the guarantee letter and stamp the company name. Official seal. If the borrower fails to repay the principal and interest of the loan on time and the guarantor violates the guarantee commitment, the guarantor's unit and the county finance department should assist the county employment and reemployment office (county employment bureau) to withhold the principal and interest of the small guaranteed loan.

(2) The borrower can use as mortgage (pledge) a house owned by himself or a relative or friend (with permanent residence in Bishan County) (both certificates are complete, and the bank will negotiate with the borrower to confirm), and the loan is recognized by the financial institution. Securities are mortgaged (pledged); the mortgage (pledge) of a partnership business entity or a small business is in principle implemented as an individual mortgage (pledge), and real estate, cars, and equipment (with purchase invoices, deducted depreciation) can be used for mortgage (pledge) ) charge. The amount of housing mortgage loans shall not exceed 70% of the value of the mortgage; the amount of securities pledged loans shall not exceed 90% of its value; the amount of machinery and equipment and other mortgage loans shall not exceed 50% of its value. Guarantee and mortgage (pledge) can be combined.

Chapter 5 Interest Subsidy Measures for Small Guaranteed Loans

Article 14: Laid-off and unemployed persons, registered unemployed college graduates and demobilized veterans engaged in low-profit projects will be provided with full financial support Interest subsidy, the finance department will provide 50% interest subsidy to registered unemployed persons in other cities and towns, and migrant workers from Bishan who are engaged in low-profit projects. The interest subsidy standards for partnership entities or small businesses are based on different interest subsidy standards corresponding to the number of people they absorb.

Article 15 The borrower shall repay the principal and interest on time within the time limit stipulated in the loan contract. After the last settlement of principal and interest, the lending financial institution shall transfer the principal and interest of the quarter within 2 working days of the month following the end of each quarter. The list of borrowers who have paid off their principal and interest within the specified period (details such as principal and interest must be stated in the content) should be reported to the County Employment and Reemployment Office (County Employment Bureau) to apply for interest discounts.

The County Employment and Reemployment Office (County Employment Bureau) confirms the borrower's corresponding interest discount amount according to the borrower's different interest discount standards, and sends the confirmed interest discount list to the County Finance Bureau within 2 working days. The internal review will be completed and the interest discount funds will be transferred to the lending financial institution. The lending financial institution will transfer the interest paid by the borrower to the borrower's personal account opened at the lending financial institution in one go within 2 working days. There will be no interest discount for loans that cannot be repaid on time, and the borrower will have to pay the interest on his own.

Chapter 6 Procedures for Small Amount Guaranteed Loans

Article 16 When applying for a loan, the borrower should bring relevant materials (see the instructions for small amount guaranteed loans for details) to the place of residence. After the application of the community neighborhood (village) committee is reviewed by the community neighborhood (village) committee and meets the provisions of Articles 8 and 13 of these Measures, it will be recommended to the local street (township) social security office within 2 working days; the street (township) Township) Social Security Office shall report to the County Employment and Reemployment Office (County Employment Bureau) within 3 working days after preliminary approval in accordance with Articles 8 and 13 of these Measures. The County Employment and Reemployment Office (County Employment Bureau) shall work together with the County Finance Bureau The review and summary will be completed within 5 working days, and the relevant information will be sent to the lending financial institution. The loan-contracting financial institution shall submit preliminary opinions within 3 working days. If it does not agree with the loan, it shall indicate the reasons and return the information to the County Employment and Reemployment Office (County Employment Bureau); if it agrees with the loan, it shall notify the borrower to go through the relevant procedures. , after completing the loan mortgage (pledge) guarantee and other procedures, the loan will be issued to the borrower within 3 working days.

Partnership entities or small businesses can apply for small-amount guaranteed loans through their legal representatives at the neighborhood (village) committee of the community where they have registered residence or where the business operates.

Chapter 7 Post-loan management of small-amount guaranteed loans

Article 17 The management of small-amount guaranteed loans adheres to the principle of “whoever investigates, who approves, who is responsible”. In order to ensure the recovery of small guaranteed loans, if the loan is overdue for one week, the lending financial institution shall notify the lender in writing to return the principal and interest of the loan; if the loan is overdue for two weeks, the county Employment and Reemployment Office (County Employment Bureau), County Finance Bureau, and the loan undertaking shall The financial institution notifies the guarantor and the guarantee unit to collect the principal and interest of the loan; the guarantor's unit that is overdue for three weeks or more cooperates with the County Finance Bureau and the County Employment and Reemployment Office (County Employment Bureau) to directly deduct the principal and interest of the loan in full. If the property is mortgaged (pledged), the loan-bearing financial institution shall file a lawsuit with the People's Court and apply for compulsory execution in accordance with the relevant provisions of the loan, and the property shall be disposed of in accordance with legal procedures.

For the overdue principal and interest of re-employment small loans that cannot be recovered, in accordance with the requirements of the "Interim Measures for the Write-off of Bad Debts of Small Guaranteed Loans in Chongqing" (Yu Zongzongban [2006] No. 25), the loan bad debt verification shall be started in a timely manner sales procedure. For loans issued through the "green channel", if the principal and interest cannot be recovered overdue, after the loan-bearing financial institution sues and adjudicates, the non-repayment losses (including prosecution fees and execution fees) will be borne by the city and county finance.

Article 18 The lending financial institution shall establish a ledger of the issuance, recovery and interest collection of small-amount guaranteed loans; submit small-amount guaranteed loans to the County Employment and Reemployment Office (County Employment Bureau) on a monthly basis Reports on operation, recycling, interest discounts, etc. The county employment and reemployment office (county employment bureau), county finance bureau, and loan-contracting financial institutions will strengthen the guidance of the social security office’s small loan work. The social security office must establish a basic ledger for small loans and do a good job in collecting, sorting, and archiving data.

Chapter 8 Preferential Policies for Small-amount Guaranteed Loans

Article 19. Borrowers applying for small-amount guaranteed loans for mortgage guarantees do not need to conduct real estate appraisals and undertake loan financing. The agency can make a price based on the actual price. After both parties sign a letter of determination of the value of the mortgage, they should apply to the land or house registration agency for mortgage registration, and the house mortgage registration fee will be waived. If it is a mortgage guarantee for the house on the transferred land, you should apply to the housing registration agency for mortgage registration. For those who meet the registration conditions, the registration agency should handle the matter within 5 working days; if it is a mortgage guarantee for the house on the allocated land, you should apply to the land registration agency. When an institution applies for mortgage registration, if the registration conditions are met, the registration institution shall handle the matter within 10 working days.

Article 20 After the borrower obtains a small guaranteed loan, the borrower can continue to enjoy preferential policies such as tax exemptions and exemptions for re-employment, industrial and commercial support, etc. until the specified preferential period.

Article 21 Before applying for a small guaranteed loan, the borrower should participate in the employment and reemployment policy training organized by our county.

Chapter 9 Departmental Responsibilities of Small Guaranteed Loans

Article 22 In order to strengthen management and ensure the timely repayment of small guaranteed loans, the responsibilities of all parties are as follows:

(1) County Employment and Reemployment Leading Group Office and County Employment Service Administration

1. Responsible for organizing, promoting, guiding, and coordinating small-amount guaranteed loans in the county.

2. Responsible for formulating and coordinating the implementation of various work measures for small guaranteed loans.

3. Coordinate the financial department to implement small guaranteed loan guarantee funds.

4. Review and summarize small-amount guaranteed loan applications recommended by streets (townships), and provide employment and re-employment training (including entrepreneurship training) to applicants; implement comprehensive management, guidance, and guidance on small-amount guaranteed loans Supervise and provide services to help borrowers implement preferential policies for employment and reemployment.

5. Responsible for reviewing and confirming the borrower’s corresponding interest discount amount based on the interest settlement list or voucher issued by the loan-contracting financial institution and reporting it to the County Finance Bureau.

6. Submit small-amount guaranteed loan statements on time and in accordance with regulations.

7. Organize and archive the relevant original data of small-amount guaranteed loans and manage them with small-amount guaranteed loan software.

(2) County Finance Bureau

1. Responsible for the arrangement and supervision of small-amount guaranteed loan guarantee funds and small-amount guaranteed loan guarantee interest discount funds at this level.

2. Take the lead in handling bad debt losses of small guaranteed loans.

3. Cooperate with the County Employment and Reemployment Office (County Employment Bureau) to review small-amount guaranteed loans.

(3) Lending financial institutions

1. The borrower's application, which has been jointly reviewed and approved by the County Employment and Reemployment Office (County Employment Bureau) and the Finance Bureau, will be reviewed and decided on whether to grant the loan in accordance with Articles 8, 9, 10, and 13 of these Measures.

2． Based on the interest discount confirmation list returned by the county Finance Bureau after review and confirmation, the loan-bearing financial institution will transfer the interest discount funds into the borrower's personal account opened at the loan-bearing financial institution in one go.

3. Manage the operation of small-amount guaranteed loans and communicate relevant situations to relevant departments in a timely manner.

4. Submit to the County Employment and Reemployment Office (County Employment Bureau) a detailed table on the operation of small-amount guaranteed loans, a statistical table on the recovery of small-amount guaranteed loans, and a quarterly statistical table on the interest discounts on small-amount guaranteed loans to the County Employment and Reemployment Office (County Employment Bureau) Wait for relevant reports.

5. Establish a small-amount guaranteed loan assessment system that is different from other commercial loan assessment systems. The quality of small-amount guaranteed loans is not included in the general commercial loan assessment.

6. Collect overdue loans in a timely manner, file a lawsuit with the People's Court and apply for enforcement in accordance with the relevant provisions of the loan.

(4) County Land Resources and Housing Administration Bureau

Responsible for guiding and supervising the implementation of relevant policies for the registration of small-amount guaranteed loans and housing mortgages.

(5) Subdistrict (township) social security offices and community (village) committees

1. The community (village) committee shall investigate the small-amount guaranteed loan applicants in accordance with the provisions of Articles 8 and 13 of these Measures, and do a good job in recommendation to the street (township) social security office and post-loan management.

2． The sub-district (township) social security office shall review and summarize the applications of borrowers recommended by the community neighborhood committee in accordance with the provisions of Articles 8 and 13 of these Measures, and submit them to the County Employment and Reemployment Office (County Employment Bureau) for review.

3. Guide and help borrowers to improve their production and operations, and cooperate with and assist lending financial institutions in pre-loan inspection and post-loan collection work.

(6) Borrower

1. Apply for a small guaranteed loan truthfully based on your own circumstances.

2． Handle loan guarantee and mortgage (pledge) procedures in accordance with regulations.

3. During the loan period, any major personal changes (such as home address, phone number, financial status, etc.) must be reported to the relevant departments in a timely manner.

4. Use the loan as required, fulfill the loan contract, and pay interest and principal on schedule.

Chapter 10 Supplementary Provisions

Article 23 Any borrower who enjoys the minimum living allowance for urban residents will have to live in the street (township) where he/she lives 3 months from the date of obtaining the loan. The minimum living security allowance for urban residents should be re-evaluated.

Article 24 Establish a joint meeting system for small-amount guaranteed loans.

Led by the County Employment and Reemployment Office (County Employment Bureau), in conjunction with the county labor, finance, loan-contracting financial institutions and other departments, joint meetings on small-amount guaranteed loans are held regularly to study major issues in the work of small-amount guaranteed loans and to assess the borrower's Analyze production and operation, capital operation, interest payment and principal repayment, and strengthen guidance, monitoring and management.

Article 25: Rewards for subdistricts (townships) and handling fee subsidies from loan-contracting financial institutions shall be based on the regulations of the sub-district (town) handling departments, loan-conducting departments and loan-contracting financial institutions regarding re-employment small-amount loans. "Notice on Issues Relating to Rewards and Handling Fee Subsidies by Financial Institutions" (Yu Caishe [2004] No. 168) shall be implemented and shall be settled in one go in the first quarter of the following year.

Article 26 These Measures will come into effect on November 1, 2008.

Attachments: 1. List of some companies whose employees can provide guarantees

2. Bishan County small-amount guaranteed loan guarantee letter

3. Small-amount guarantee Instructions for secured loans

4. Explanation of relevant issues in small secured loans

5. Unmarried statement

Attachment 1: Some companies whose employees can provide guarantees List

1. Chongqing Qingshan Industrial Co., Ltd.

2. Chongqing Hongyu Precision Industrial Co., Ltd.

3. Chongqing Telecommunications Company Bishan Branch

p>

4. China Unicom Co., Ltd. Bishan Branch

5. China Mobile Communications Group Chongqing Co., Ltd. Bishan Branch

6. Bishan County Tobacco, Chongqing City Company

7. Chongqing Bishan Natural Gas Co., Ltd.

8. Chongqing Electric Power Company Bishan Power Supply Bureau

9. Chongqing Salt Industry Corporation Bishan Branch

10. Bishan County Branch of Industrial and Commercial Bank of China

11. Bishan County Branch of China Construction Bank

12. Bishan Agricultural Bank of China County Branch

13. Bank of China Bishan County Branch

14. Agricultural Development Bank of China Bishan Branch

15. Chongqing Rural Commercial Bank Co., Ltd. Bishan Branch

16. Bishan Branch of Bank of Chongqing Co., Ltd.

17. Postal Savings Bank of China Chongqing Bishan Branch

18. China Life Insurance Company Bishan Branch

19. Bishan Branch of China Property and Casualty Insurance Company

20. Bishan County Yushan Water Resources Development Co., Ltd. (former county water plant)

Bishan County Small Guaranteed Loan Guarantee Letter

Guarantor

Gender

Age

Educational level

Position

Identity

Annual income

Guarantor’s phone number

Identity Certificate number

Work unit phone number

Workplace

Marital status

I voluntarily provide guarantee for a small guaranteed loan (the form of guarantee is Joint liability guarantee), the guarantee amount (in capital letters) is 10,000 yuan, and the term is one year. If the loan cannot be repaid on time, I will use my salary and property to pay the repayable principal and interest of the small guaranteed loan. The county finance bureau and the county employment and reemployment office (county employment bureau) can directly deduct the principal and interest of small guaranteed loans in full without going through any judicial procedures.

Guarantor (signature):

Year, month and day

The guarantor is a regular employee of our company, and the content filled in is true. If he violates the above commitment, we will The unit is willing to cooperate with the County Finance Bureau and the County Employment and Reemployment Office (Employment Bureau) to directly deduct the principal and interest of the small guaranteed loan in full.

Person in charge of the unit (signature): Official seal of the unit:

Year, month and day

Note: 1. In the "Identity" column, fill in "Civil Service Establishment", " "Business Establishment" and "Others". 2. The guarantor can provide small-amount guaranteed loan guarantees for multiple people within the guarantee limit.

4. The guarantor must provide his or her ID card and proof of marital status. 5. Fill out this form in duplicate.

Attachment 3:

Instructions for small secured loans

1. Basic information of the borrower

(1) Natural human borrower< /p>

① Identity card and household registration book or household registration certificate (if the marital status is married, the spouse’s identity certificate must be provided);

② If the borrower is married, the marriage certificate must be provided , if you are unmarried, the applicant must provide proof of being unmarried or issue a "Declaration of Unmarried";

③Unemployment certificate for employees, unemployment certificate for urban unemployed people, university graduation certificate, low guarantee, and self-employment of demobilized and retired veterans Certificate and other relevant documents;

④ Relevant certification materials for individuals engaged in production, operation or entrepreneurship (such as business licenses, contract contracts, etc.); among them, migrant workers who go to cities to start their own businesses and engage in self-employment need to provide a temporary residence permit. Township entrepreneurs need to provide proof of employment issued by the neighborhood (village) committee where their household registration is located, and labor brokers need to provide a valid certificate issued by the broker association.

⑤Application approval form;

⑥Other materials required.

(2) Small business or partnership entity borrowers

①Business license, organization code certificate, tax registration certificate;

②Articles of Association or partnership Agreement;

③ Certification materials of the legal representative or person in charge;

④ Relevant certificates for absorbing various types of personnel (the enterprise’s roster of various types of personnel, copies of employee unemployment certificates, identity A copy of the certificate, the labor contract signed between the enterprise and various personnel, the enterprise's wage payment voucher or wage schedule, the "Special Payment Book for Social Insurance Premiums" (receipt copy) stamped by the bank and the employer's certificate issued by the social insurance agency Detailed monthly payment accounts (bills, etc.) for qualified personnel;

⑤Application approval form;

⑥Other materials that need to be provided.

2. Guarantee information

(1) Personal guarantee information;

①Guarantor’s ID card and guarantee letter;

②Guarantor If you are married, you need to provide a marriage certificate. If you are unmarried, the guarantor must provide proof of being unmarried or issue a "Declaration of Unmarriedness";

③The guarantor has a property that is 1.2 times higher than the loan application amount or a valuable property of equivalent value. Securities certification materials; (various types of persons using real estate as mortgage)

(2) Legal person guarantee materials:

①Guarantee business license, organization code certificate, copy of articles of association and guarantee Certification materials for the legal representative of the enterprise;

② Guarantee the company’s financial statements for the previous year and recent years;

③ Legal documents guaranteeing that the enterprise agrees to guarantee;

④ Guarantee the enterprise A copy of the real estate certificate that is 1.5 times higher than the loan amount applied for;

⑤Other materials that need to be provided.

(3) Mortgage (pledge) guarantee information

①Original and copy of the mortgage and pledge property certificate;

②Basis for proving the value of the mortgage and pledge property;< /p>

③Copy of relevant proof of ownership of the mortgaged property (personal ID card, corporate loan card, business license, organization code certificate, etc.);

④The owner of the mortgaged property and his/her ***Legal document that someone agrees to provide mortgage guarantee for the loan;

⑤Other materials that need to be provided.

Remarks: Except for the "Application Approval Form" in triplicate, other information must be in duplicate.

Attachment 4: Explanation of relevant issues in the work of small-amount guaranteed loans

The following is the explanation on how to deal with some specific issues in the work of small-amount guaranteed loans:

1. One of the spouses is a laid-off and unemployed person, and the other is a civil servant or a person from other enterprises or institutions (who meets the scope of guarantee) can serve as a guarantor; if the guarantor already has debts, the guarantee amount shall be deducted from the balance of the debt.

2. If the guarantor has already borrowed money, if it was originally a mortgage loan, a credit guarantee can be provided; if it was originally a credit loan, the guarantee limit shall be deducted from the balance of the credit loan.

3. If the borrower or guarantor has only one house but the area of ??the house is more than 100 square meters, the borrower or guarantor may provide the house as a guarantee based on its credit status, debt status, etc.

4. The borrower’s original credit loan shall be recovered after the small-amount secured loan is issued; if the original mortgage loan is insufficient and the collateral is insufficient, after the small-amount secured loan is issued, the original credit loan shall be recovered. Mortgages must reduce balances and reduce risk.

5. If the borrower and guarantor have a credit card overdraft, they can borrow or guarantee if they have a normal overdraft.

6. If the borrower and guarantor are unmarried, they must provide proof of unmarried status or issue a "Declaration of Unmarriedness"; if the borrower and guarantor are divorced, they must provide proof of divorce (divorce certificate or court judgment).

7. If both the borrower and the guarantor are single, depending on their credit status and debt status, they can apply for a small guaranteed loan.

8. If the borrower is married, both husband and wife must be present to sign. If the guarantor is married, the loan-taking financial institution must sign a guarantee contract with the guarantor. The guarantor alone can sign the contract, and it is not necessary for both husband and wife to be present to sign.

10. Small secured loans can be credit guaranteed loans, mortgage (pledge) guaranteed loans, or a combination of the two.

Attachment 5

Unmarried Statement

:

I, ID number, gender, I hereby make a solemn unmarried statement, such as If there is any untruth, I voluntarily bear all legal responsibilities arising therefrom.

Hereby declares

Declarant:

Year, Month, Day

Reprinted from the Bishan County People's Government Public Information Network, I hope it will be helpful to you helped.