Applications for small secured loans are guaranteed by laid-off workers' funds. The lender shall sign a loan guarantee cooperation agreement with the party entrusted by the local government to operate this guarantee business, and the guarantee provided in the agreement is irrevocable joint liability guarantee; The loan guarantee institution shall open a loan guarantee fund account in the handling bank; The balance of small secured loan liabilities shall not exceed five times the balance of the loan guarantee fund account; The guarantee institution shall, from the date of assuming the guarantee responsibility, perform the subrogation liability within three months at the longest.
The above contents are for your reference. Please refer to the actual business regulations.
If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank for consultation.
2. What are the requirements for applying for personal business loans from China Bank?
Personal investment and operation loans refer to loans issued by China Bank to meet the needs of borrowers in the process of investment and operation.
1. The borrower refers to a natural person with full capacity for civil conduct in China, including a sole proprietorship enterprise, that is, a business entity established in China according to law and invested by a natural person, whose property is owned by the investor personally, and the investor assumes unlimited liability for the debts of the enterprise with his personal property.
2. Loan amount The starting point for personal investment and business loans is 30,000 yuan, and the maximum amount generally does not exceed 3 million yuan.
3. Term of the loan The term of the personal investment and operation loan shall not exceed 5 years (including 5 years).
4. The following information shall be provided: 1) Qualification documents, such as ID card, household registration book or other valid residence documents, business license, etc. ; 2) Documents proving the purpose of the loan, such as purchase and sale contracts; 3) proof of repayment ability such as financial statements (or proof of operating income) and tax bills of the operating enterprise; 4) The supporting documents required for the guarantee.
The mortgage (pledge) guarantee shall provide a list of mortgaged (pledge) items, ownership certificate, value certificate and proof that the person with the right to dispose of it agrees to mortgage (pledge); The credit guarantee shall provide the guarantee documents and relevant credit certification materials that the guarantor agrees to perform joint and several liabilities; 5) Proof of a fixed occupation and stable economic income; 6) loan application (the contents should include the borrower's resume, work performance, feasibility study report of investment project, repayment source, guarantee, amount and duration of loan application); 7) Self-owned capital or capital contribution certificate of not less than 30% of the total investment of the project; 8) Other documents required by China Bank.
9) The documents and materials provided by the borrower shall be true and legal.
3. How long does it take for laid-off workers to apply for a small secured loan from BOC?
The maximum period for laid-off workers to apply for small secured loans is adjusted to 3 years, and it will not be extended in principle. If the borrower really needs to extend the period, and the guarantee institution (guarantor) agrees in writing to continue to provide the guarantee, the institution may extend the period once, and the extension period shall not exceed 65,438+0 years. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
4. What procedures do unemployed people need to apply for small interest-free loans? How long will it take?
You can apply if you meet the following conditions: you have China nationality. Age 2 1-55 years old. Office workers have worked or lived in the place of application for not less than 6 months; Have a stable job and a monthly income of not less than 3,000 yuan. Industrial and commercial registration, a private owner, worked for one year; The monthly income of public water or private water is more than 20 thousand yuan. The property owner owns a commercial property or one of the applicants. Have a good credit record. Applying for unsecured and unsecured microfinance has low threshold, simple procedures, quick handling and no handling fee. If the information is complete and the examination and loan procedures are coordinated, the "application-examination-signing-loan" can generally be completed in about 2-4 days. The loan amount is determined by your income and credit status. Generally it is 7- 10 times of monthly income.