1. If the applicant's business field is in the main urban area, he/she can directly apply for a loan and submit the loan materials to the Microfinance Section of the Entrepreneurship and Employment Department. The people of the Employment Bureau shall conduct examination and approval, and after passing, recommend to the loan undertaking institution to handle the loan formalities;
2. If the business field is in other towns (streets), it can be reported to the local town (street) social security office, which will be reported to the Employment Bureau for examination and approval, and recommended to the loan undertaking institution to handle the loan formalities through examination and approval.
First, the meaning of interest-free loans
Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.
Two, "zero interest rate", a loan contract between a bank and an individual or organization through mutual trust.
General international private commercial banks give interest-free loans, including consumer bank loans for shopping or further study. A handling fee of about 1% will be charged, which is a bank's income, which can at least offset the administrative expenses, and then the bank will cooperate with the request to join credit cards or various members or open a trading account when lending without interest. This is a wonderful way to expand customers.
3. Discounted loans:
Discounted loan means that all or part of the loan interest obtained by the borrower from the commercial bank is borne by the relevant government agencies or non-governmental organizations, and the borrower only needs to repay the principal or a small part of the interest as agreed. This way is essentially the encouragement or support of the government or non-governmental organizations to borrowers.
For individuals who meet the requirements of small secured loans, the general process of applying for loans includes voluntary application, review and recommendation, commitment to guarantee and loan issuance.
Small secured loans have a clear division of labor, and the labor department accepts the application, then the guarantee institution confirms the guarantee, and finally the bank applies for the loan. "If entrepreneurs want to apply, they can consult the local labor department. Whether individuals pay interest first, then financial subsidies, or finance pays interest in advance, the relevant plan has not yet been determined, but the financial discount is affirmative. "