Small secured loans for laid-off workers are an important decision of the CPC Central Committee and the State Council. It is a small, medium and short-term loan guaranteed by government departments at all levels and handled by designated commercial banks to solve temporary difficulties or shortage of start-up funds and working capital for laid-off workers who are self-employed, self-employed or in partnership.
2. What conditions can people apply for small secured loans?
All laid-off and unemployed people in this district (including the province, city and central government in Taishan District) who are under 60 years of age, healthy, honest and trustworthy, and have certain labor skills (hereinafter referred to as loan guarantee applicants) are registered in the administrative department for industry and commerce, and start their own businesses. Or apply for a re-employment concession card and the Decision of the Provincial Party Committee and the Provincial Government on Further Improving Employment (165438+2002128 October), and then organize themselves to find employment, they can apply for a small secured loan directly in the Re-employment Loan Guarantee Center for laid-off workers in Taishan District, Tai 'an City (hereinafter referred to as the Guarantee Center).
3. What materials should I provide to apply for a small secured loan?
The loan guarantee applicant must hold a re-employment concession card, a copy of the business license registered by the industrial and commercial department, a copy of the tax registration certificate, an ID card, a household registration book, an old-age insurance manual or payment documents, a community certificate, counter-guarantee measures (guaranteed by a fully funded unit or two employees during the labor contract period), and a capital verification report. The loan guarantee applicant can fill in the "Approval Form for Small Guaranteed Loans for Laid-off Workers in Taishan District of Tai 'an City" after being audited by the handling personnel of the guarantee center.
4. What are the provisions on the amount and duration of small secured loans?
The amount of personal small secured loans shall not exceed 20,000 yuan. Laid-off workers jointly organize employment, and if more than 5 laid-off workers are placed, the scale may be appropriately expanded, but in principle it shall not exceed 654.38+10,000 yuan; The longest loan period is two years. If the borrower proposes to extend the loan and the guarantee center agrees to continue to provide the guarantee, the handling bank may extend the loan once according to the provisions, and the extension period shall not exceed one year, and provide counter-guarantee measures according to the relevant provisions of the bank.
5. What is the interest rate of small secured loans? Are there other preferential policies?
The interest rate of small secured loans shall be determined according to the loan interest rate announced by the People's Bank of China, and shall not rise. Small secured loans for low-profit projects are determined by the guarantee center at the same time when approving loans, and are summarized and recommended to the District Finance Bureau for approval every quarter, and the loans are subsidized after approval by the financial department. The borrower shall pay the subsidy interest to the handling bank in accordance with the regulations before receiving the subsidy interest from the guarantee institution with the "loan interest notice" issued by the handling bank, and the extension shall not be discounted. The meager profit projects specifically include: cottage industry, repair and repair, book lending, hotel service, catering service, dyeing and sewing, copying and typing, haircut, small dining table, canteen, moving, hourly service, household cleaning and sanitation service, primary health care service, infant care and education service, education and training service for disabled children, old-age service, patient care and transportation service for children and students.
Six, how many days after the guarantee center accepts the application of the loan guarantee applicant, go through the bank loan formalities?
After accepting the application form filled in by the loan guarantee applicant, the guarantee center shall organize personnel to conduct on-the-spot investigation on the feasibility, funds, assets and repayment ability of the project within 7 working days. Give a timely reply to those who do not meet the loan conditions. For those who meet the loan guarantee conditions, the approved loan amount, approved loan term and related information will be transmitted to the handling bank on time within three days.
7. How many days does the bank handle the loan after receiving the approval form and related materials from the guarantee center?
After receiving the approval form and related materials from the guarantee center, the handling bank shall conduct loan review and enterprise investigation on the borrower in accordance with the relevant provisions of the loan. If it meets the requirements, it shall handle it within three days after receiving the loan approval form.