1. Is it stipulated in Hainan Province that you must have a local household registration to apply for a business start-up guarantee loan?

to start a business in Hainan, Ten types of people can apply for personal business guarantee loans:

1. registered unemployed people in cities and towns

2. people with employment difficulties (including disabled people)

3. demobilized ex-servicemen

4. released prisoners

5. graduates from universities and secondary vocational colleges (including college student village officials and students returning from studying abroad)

6. resolving employees and unemployed people in enterprises with excess capacity <

At the same time, talents who are normally introduced to Hainan enjoy the policy of guarantee loan for starting a business.

Note that the above-mentioned personnel should also meet two conditions when applying for a business guarantee loan:

First, there are specific business projects;

Second, except for student loans, poverty alleviation loans, housing loans, car loans, and small consumer loans (including credit card consumption) of less than 5, yuan, when the applicant submits the application for business guarantee loans, he and his spouse should have no other loans.

second, how to apply for a small-scale venture loan in Hainan

with the encouragement of national policies, there are more and more flexible forms of employment for college graduates, and self-employment is a good form of employment. Hainan Province also provides a preferential policy for college graduates to start their own businesses. College graduates can enjoy financial discount if they apply for starting their own businesses. The brief contents are as follows. 1. Application conditions: 1. College graduate or above; 2. Not employed for more than 6 months after graduation, and registered for unemployment in the local labor and social security department. Second, the loan term: the small-scale business start-up loans provided by the state for college graduates are subsidized loans by the government, with a term of 1-2 years, and no financial discount will be enjoyed after 2 years. Third, the loan method: the way for college graduates to start their own businesses is to guarantee and mortgage (pledge) loans. IV. Description: Please consult the local labor and social security bureau for specific operation methods. In addition, there are other preferential policies for college students to start their own businesses. For example, those who are engaged in self-employment are exempt from industrial and commercial registration and management administrative fees within one year; Self-employed and self-employed people can also trust their household registration files in the employment guidance service center for college graduates. The relevant departments should be consulted about the specific policies for college graduates to start their own businesses.

3. What about loans for foreigners to start businesses in Hainan?

1. Conditions for applying for a business start-up loan in Hainan

1. Proof of identity and business premises

A loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business premises. The proof of fixed residence can be the real estate license (or the real estate license of parents' names), and the proof of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.

2. Proof of funds

The loan applicant's investment project requires that he has certain self-owned funds. This is an important condition for banks to measure whether to lend or not, because the amount of venture loans is generally not more than 7% of the total amount of funds needed by lenders for normal production and business activities, as well as for purchasing (installing or repairing) small equipment and franchising.

3. Settlement account

The loan applicant must open a settlement account in the bank he is lending, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the relevant national laws and the provisions of the Bank's credit policy, and it is not allowed to be used for other speculative investment projects such as equity.

4. Loan guarantee

Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge and third-party guarantee. In addition, they should provide some information about their credit status, repayment ability and loan investment to the bank as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.

second, the conditions of the guarantor of the business start-up loan

1. An entrepreneur who applies for a business start-up guarantee loan and is under the age of 18-57 (excluding 57) for men and under the age of 18-47 (excluding 47) for women.

2. Attend entrepreneurship training and hold entrepreneurship training certificate.

3. engage in low-profit projects.

4. It has a fixed business entity in the place where the loan is located.

IV. What are the conditions for foreigners to buy a house in Hainan

The conditions for foreigners to buy a house in Hainan are as follows:

1. mortgage to buy a house, male buyers need to pay off all loans before 65 years old, and female buyers need to pay off all loans before 6 years old;

2. Property buyers should have permanent residence in China;

3. Social insurance or individual tax in the sea;

4. The credit information of the buyers is good and stable

5. It is necessary to meet the local purchase restriction policy.

"General Office of Hainan Provincial Party Committee * * General Office of Hainan Provincial People's Government on Further Stabilizing the Real Estate Market"

Article 4

A strict purchase restriction policy is implemented, and a global purchase restriction is implemented on the basis of the existing purchase restriction policy.

sales of households built in Wuzhishan, Baoting, Qiongzhong and Baisha, four cities and counties in the central ecological core area.

in Haikou, sanya and Qionghai, where the purchase restriction has been implemented, personal income tax or social insurance payment certificate for at least 1 months or more must be provided if it is not a house.

outside the above-mentioned areas, families who are not registered in this province must provide proof that at least one family member has paid personal income tax or social insurance in our province for 24 months or more.

Residents in this province can only buy one house, and must provide at least one family member with personal income tax accumulated in our province for 24 months or more, or

cities and counties should strengthen the purchase of houses. Non-residents in this province are not allowed to buy houses by paying back personal income tax or social insurance.

The housing policy on the introduction of talents is determined by the province.