What are the requirements for a reemployment loan?

You can apply for it at a local bank.

Application requirements:

1. Be a resident of mainland China who is over 18 years old;

2. Have a stable address and work or business location;

p>

3. Have a stable source of income;

4. No bad credit record, and the loan cannot be used for stock trading, gambling, etc.

5. Other conditions required by the bank.

Re-employment small-amount secured loans refer to the spirit of Zhongfa [2002] No. 12 and Ganfa [2002] No. 13 documents, in order to help laid-off and unemployed people seek self-employment, start their own businesses and organize themselves for employment. For laid-off and unemployed people who are honest and trustworthy, have the ability to work and desire to find employment, and in view of their practical difficulties in obtaining start-up capital and credit guarantees and difficulty in obtaining bank loans in the process of starting a business, the government will set up a re-employment guarantee fund and promise through the re-employment guarantee agency Guarantee, apply to the bank for special re-employment.

Any laid-off and unemployed person under the age of 60, who is in good health, honest and trustworthy, and has certain labor skills, and who is self-employed, starts a business on his own, or operates a partnership or organizes employment, shall have insufficient self-raised funds. , on the premise that the loan guarantee institution promises a guarantee, you can apply for a small guaranteed loan from a commercial bank or its branch with the "Reemployment Preferential Certificate" issued by the labor and social security department.

The amount of small secured loans is generally around 20,000 yuan, the loan term is generally no more than two years, and the extension period is no more than one year. The interest rate of small secured loans is determined according to the loan interest rate announced by the People's Bank of China and is not allowed to float upward. Small-amount guaranteed loans for low-profit projects will be fully subsidized by the central government according to the actual situation, and no interest discount will be provided for extensions.

High-end loans are comprehensive consumer loans focusing on individuals or businesses. The loan amount is generally between 10,000 yuan and less than 200,000 yuan. The application process generally requires a guarantee. It is an extension of micro-loan in technology and practical application.

In China: mainly serving agriculture, rural areas and farmers, and small and medium-sized enterprises. The establishment of the company rationally concentrated some private funds, standardized the private lending market, and also effectively solved the financing difficulties of rural areas, farmers, and small and medium-sized enterprises.

Currently, there are also personal loans for office workers, generally ranging from 1,000 to 50,000 yuan. Most of them do not require mortgage, but credit and information review are relatively strict.

On September 6, 2018, China’s Ministry of Finance and State Administration of Taxation issued a notice clarifying that interest income earned by financial institutions to small enterprises, micro-enterprises and individual industrial and commercial households is exempt from value-added tax. .

Processing process:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for a loan;

3. Interview with a bank or lending institution;

4. The bank reviews the lender’s qualifications;

5. The review is approved and the loan is granted successfully.

How much can you borrow from the Bureau of Labor and Employment’s interest-free loans?

You can obtain up to a single loan support of 500,000 yuan.

Eligible borrowers can obtain a single loan support of up to 500,000 yuan based on their personal resource status and repayment ability; for those who have started a business of a certain scale or become a re-employment star, they can also apply for a further loan. High loan application. The term of a business loan is generally 1 year, with a maximum of no more than 3 years; in order to support laid-off workers to start their own businesses, the interest rate of business loans can be reduced by 20% according to the interest rate of the same grade specified by the People's Bank of China. Business loans for laid-off workers launched in many areas can also be Enjoy 60% government subsidy.

New policy for employment loans in 2022

1. Registered unemployed persons and military veterans who must be at least 16 years old, have a household registration in this city, be honest and trustworthy, have the desire to start a business, and have the conditions to start a business. Personnel, landless farmers, disabled people, family members of the military, returning migrant workers, college students (that is, graduates of ordinary colleges and universities within 5 years of graduation and college students in colleges and universities in Weiwei, no household registration requirements) and other self-employed persons, the establishment is a small business All micro-enterprises (including farmers’ professional cooperatives) can apply.

2. For those with out-of-town residence registration, urban residents in our city who have lived in their place of permanent residence for more than 6 consecutive months and participated in social insurance locally for more than 6 months shall register for employment and unemployment at their place of permanent residence in accordance with regulations. , and those who have obtained the "Employment and Entrepreneurship Certificate" can enjoy the same entrepreneurial guaranteed loan support policies as those registered in this city.

National interest-free loan process:

Personal loan application, review and issuance process

1. Personal application

Eligible loans According to the localized management of people, you can apply for a personal loan from the Employment Promotion Unit (public employment service agency) of the Human Resources and Social Security Bureau at or above the county level in the place of registration, and provide the "Zhanjiang City Personal Entrepreneurship Guaranteed Loan Review Form" ( Attachment 1) and note materials (required materials are in triplicate).

2. Preliminary loan review

After the Employment Promotion Unit of the Human Resources and Social Security Bureau at or above the county level (public employment service agency) accepts the personal loan information, it will take 5 working days Complete the review of the borrower's qualifications within 12 days, and handle the following differently in different situations:

(1) If the qualifications are met and the information is complete, the borrower will be confirmed on the review form, the identity of the borrower will be identified, and the borrower will be identified. The information is transferred to the handling bank.

(2) If you do not meet the loan qualification conditions, state the reasons on the application form.

(3) If the information is incomplete, the materials that should be supplemented will be notified at once, and a material notification letter (Annex 3) will be issued on the spot.

3. Loan review

For borrowers who meet the qualifications after preliminary review by the Human Resources and Social Security Bureau (public employment service agency), the guaranteed fund operation and management agency, the economic In principle, the handling bank will investigate and review the relevant information, credit status, production and operation status, debt repayment ability, and whether there are other loans of the entrepreneurial project within 10 working days. For those who pass the investigation and meet the conditions for counter-guaranteed loans, in principle, a loan contract will be signed with the borrower within 5 working days, and the handling bank will issue the loan to the borrower; if the review fails, the Human Resources and Social Security Bureau will be notified in a timely manner ( Public employment service agencies) and borrowers, indicate the reasons on the review form.

What are the conditions for employment loans

Hello, generally speaking, the basic conditions that need to be met for personal loans are as follows:

1. Be 18 years or older and have Have full capacity for civil conduct, and have valid proof of residence and identity;

2. Have stable legal income and proof, and the ability to repay interest;

3. Be responsible for When the loan business requires a down payment, you have the ability to pay the full down payment;

4. For personal loans with larger amounts, you need to meet the conditions of collateral required by the bank;

5. If you apply for a credit loan, you need to have good credit standing;

6. Meet other conditions required by the bank.

Personal loans are roughly divided into personal real estate loans, personal car consumption loans, personal bulk consumer goods loans, and personal small credit loans. Bank loan requirements vary depending on the type. I hope you will make relevant arrangements when applying. Detailed consultation.

In addition to personal bank loans, there are also business loans for enterprises. For loan business of large and medium-sized enterprises, bank loan requirements are also different from personal loans. The loan object of a commercial loan must be a business enterprise unit, that is, it must have economic income, the value of the advance payment can be compensated and appreciated, and there is a source of funds to repay the principal and interest of the loan. Enterprise loan requirements must meet the legality of operations, independence of operations, a certain amount of own funds, a basic account in a bank, the ability to repay principal and interest on schedule, and good credit. In addition to this, there are other requirements such as collateral required by the bank. The specific loan requirements of each bank are different, and borrowers need to go to the specific bank for corresponding consultation.

In addition, if you need money urgently, it is recommended that you choose a big brand for loans. The interest rates are transparent and your information security is guaranteed. "Youqianhua" is the original Baidu financial credit service brand (original name: Baidu has money to spend), its positioning is to provide personal consumer credit services to the public and create an innovative consumer credit model. Relying on Baidu's technology and scenario advantages, "Youqianhua" uses artificial intelligence and big data risk control technology to provide users with convenient, fast and secure Internet credit services. The application materials are simple and the fastest is 30 seconds for approval, and the fastest is 3 minutes. Loans. You can repay in advance, and after repayment, the amount can be restored and you can borrow money on a recurring basis.

I hope this answer is helpful to you. Click below on your mobile phone to measure the amount immediately. The maximum loan amount you can borrow is 200,000