How to apply for a three-year business interest-free loan?
What is the general amount?
;? Nowadays, many young people are tired of working life and face the dual pressures of life and economy. Starting a business seems to be a good way.
As we all know, the state has established some interest-free loan policies specifically to encourage people to start businesses. So how do you apply for a three-year interest-free loan for entrepreneurship?
What is the amount that is generally applied for?
How to apply for a three-year business interest-free loan?
The first thing to do is to understand who can apply for interest-free loans.
People who have the desire to start a business and are engaged in self-employment, partnership, joint venture and production and operation activities can apply. In addition, if you want to apply for an interest-free loan, you also need to be under 45 years old and have a personal credit report.
No bad credit history.
To apply for an interest-free loan, you also need to meet the following conditions: 1. Have an industrial and commercial business license and a tax registration certificate.
2. Have a fixed business location or venue rental contract.
3. There is a guarantor or collateral.
4. Other conditions required when applying for a bank loan.
Generally speaking, most of the people who apply for interest-free loans are college graduates or above who plan to apply for "loan exemption and subsidy" and "small guaranteed loans" youth entrepreneurial interest-free (fiscal interest subsidy) loans, returning migrant workers, and re-transfer students.
Military personnel and registered laid-off and unemployed persons.
The maximum amount that can be applied for a personal business loan cannot exceed 70% of the working capital required by the borrower for normal production and operation activities. The loan interest rate generally follows the loan interest rate standard of the Bank of China and can fluctuate up or down within the prescribed range.
In addition, it should be noted that not all industries can apply for entrepreneurial loans. The industry applying for entrepreneurial loans must be a low-profit industry. If it is a state-restricted industry such as the construction industry, entertainment industry, advertising industry, sauna, massage, etc., you cannot apply for entrepreneurial exemption.
interest loan.
The above are the answers to questions related to the "Three-Year Interest-free Loan for Starting a Business". I hope it can help everyone!
How to apply for the Labor Bureau's interest-free entrepreneurial loan? The Labor Bureau's entrepreneurial interest-free loan application process: 1. Provide the Labor Bureau's entrepreneurial loan application to your community and consult on loan-related matters; 2. Prepare relevant information for the Labor Bureau's entrepreneurial loan, such as ID card,
Household registration book, employment and unemployment certificate, business license issued by the industrial and commercial department, and the guarantor's information should also be provided.
3. The Labor and Social Security Bureau will review the submitted materials; 4. If the review is passed, you will go to the local guarantee center to handle the guarantee procedures; 5. Credit unions or banks will issue Labor Bureau entrepreneurial loans; expand your information to apply for the Labor Bureau's interest-free entrepreneurial loan
The borrower must be able to provide the following materials: 1. Resident ID card, household register, and marriage certificate; 2. Entrepreneurship certificate (produced by the township), Employment and Unemployment Registration Certificate, self-employment certificate for retired military personnel
certificate or academic certificate of college and technical secondary school graduates; 3. "Entrepreneurship Training Certificate"; 4. Business project "Business License", "Cultivation Certificate", business site rental contract (agreement) or other valid qualification certificates; 5. Belonging to
If a partnership operates, the partnership certification materials issued by the industrial and commercial administration department or the civil affairs administration department must be provided. If there are unemployed people registered in the county, relevant information (labor contract, social insurance payment list) must be provided; 6. The identity of both the guarantor and his wife.
"ID card", "household registration book", and proof of work unit; 7. Other materials deemed necessary by the county guarantee center and county financial institutions.
Baidu Encyclopedia - Interest-free loan for college students to start a business. How to apply for an interest-free loan for personal business start-up?
Interest-free loan process for college students to start their own businesses: 1. When college graduates apply for the registration of individual industrial and commercial households, they should present to the registration authority a "Graduation Certificate" issued by a general college, a personal ID card, and a certificate issued by the provincial department in charge of employment of college graduates.
The "National Employment Registration Certificate for Undergraduate and Junior College Graduates" or the "National Employment Registration Certificate for Graduates" (hereinafter referred to as the "Registration Certificate"); 2. After the registration authority has verified that it is correct, it will go through the registration procedures in accordance with the law, and complete the registration procedures in the "Registration Certificate"
Please indicate the registration time on the Certificate, stamp it with the seal of the registration authority and return it to the person, and indicate "College Graduate" after the operator's name on the "Individual Industrial and Commercial Household Business License"; 3. College graduates must present the "Individual Industrial and Commercial Household Business License"
》Exemption from the above related charges.