1. What are the conditions for rural household registration to get a loan to start a business

Credit unions need physical and fixed asset mortgages to guarantee immediate loans. The loan amount is generally 50,000. Bank loans generally require physical mortgages and real estate. Inquiry from banks and credit unions on specific policies such as land, land, and pledge of deposit certificates

2. Conditions for rural entrepreneurship loans

Legal analysis: The main conditions for rural entrepreneurship loans are: 1. Aged 18 or above Over 1 year old, with full capacity for civil conduct; 2. Have local permanent residence and fixed residence; 3. The entrepreneurial project complies with national industrial policies, the products meet social needs, and the predicted economic benefits are good; 4. Have the ability to repay the principal and interest of the loan on time; 5. Comply with laws and regulations, be honest and trustworthy, and have no bad credit record; 6. Open a settlement account at the lending bank.

Legal basis: Article 14 of the "Opinions of the General Office of the State Council on Supporting Migrant Workers and Other Personnel to Return to Their Hometowns to Start Businesses" lowers the threshold for returning to their hometowns to start businesses. Deepen the reform of the commercial system, implement the reform of the registered capital registration system, optimize the registration method for returning to hometown to start a business, simplify the registration procedures for entrepreneurial residence (business premises), and promote the reform of the residence registration system such as "one address, multiple licenses" and cluster registration. We will broaden the scope of business and encourage returning migrant workers and other personnel to invest in rural infrastructure and set up various undertakings in rural areas.

3. What discounts will there be for Hunan returnees starting their own businesses in 2021?

Preferential policies mainly include the following four aspects:

1. In terms of capital, widen financing channels. Promote letters of credit and farmer household joint guarantee loan systems, lower loan guarantee thresholds and mortgage standards, and increase credit support for returning entrepreneurs.

2. In terms of tax incentives, for enterprises founded by migrant workers who return to their hometowns, after registration, the local retained portion of the corporate income tax paid in accordance with regulations within three years will be arranged by the financial department to the enterprise. For migrant workers who return to their hometowns to start businesses and engage in self-employment, relevant departments will appropriately increase the threshold for business tax.

3. In terms of financial support, intangible assets such as house property rights, machinery and equipment, large durable consumer goods and securities as well as registered trademarks and invention patents of migrant workers who have returned to their hometowns to start businesses can be used as offsets ( Pledge) collateral and apply for a loan from a financial institution. And explore the use of land transfer management rights, commercial forest rights, farm houses, agricultural production houses, etc. as mortgage guarantees to provide loans for migrant workers to return to their hometowns to start businesses.

4. In terms of entrepreneurial sites, guide and encourage migrant workers who have returned to their hometowns to start businesses through leasing, contracting and other legal means to use idle land, idle factories, corner land in towns and villages, annexed primary and secondary school buildings in rural areas, and barren mountains , deserted beaches and other places to start a business. It is allowed to revitalize the stock of collective construction land through village renovation and other methods, give priority to the replaced collective construction land for migrant workers returning to their hometowns to start businesses, and halve collective non-agricultural land fees.

5. The specific situation is subject to local conditions. You can consult the relevant departments.

4. I have a rural household registration in Henan Province and want to borrow 50,000 to 70,000 to start a business. What are the conditions?

Go to the *** Youth League or Women's Federation and other departments to apply for an interest-free loan for starting a business. The conditions vary from place to place (certificate), and a guarantor is required (a financial salary of RMB 10,000 will be paid back in 2 years. Please accept it from the 8th month after it is issued, and it will be interest-free if you pay it back in 8 months.