First, the qualification of the secured loan object
The qualifications of the lender are as follows: laid-off and unemployed workers (male 16-60 years old, female 16-55 years old), retired soldiers (valid certificates of retired soldiers and employment unemployment registration certificates) and college graduates (ordinary colleges and universities) who are honest and have entrepreneurial conditions apply for small-sum secured loans, and their household registration is located in the township.
Second, the prerequisite for secured loans
1. Eligible loan applicants and their spouses cannot have loans or guarantees.
2, credit loans need to provide full payment by the county finance staff as a counter guarantee, the counter guarantor can't have a loan or guarantee.
Three, the guarantee loan must have the conditions
1. The applicant or its partnership entity must have certain capital operation capabilities, such as having a fixed business place and certain self-owned funds.
2, engaged in business projects must comply with the relevant national policies and regulations, that is to say, it must be a low-profit discount project with less investment, less risk, quick effect, good income and strong repayment ability.
3. The applicant has no bad credit records in banks, public security and other units, and has an account in our county.
Four, secured loans to support low-profit projects
Refers to cottage industry, repair and replacement, book lending, hotel services, catering services, small dining tables, canteens, moving, hourly services, household cleaning and sanitation services, primary health care services, infant care and education services, training and sustenance services for disabled children, old-age services, patient care, baby and student transfer services, laundry and sewing, excluding construction, entertainment and advertising.
Verb (abbreviation of verb) loan application procedure
1, voluntary application. Eligible applicants shall submit a written application to the township (street) and community labor and social security department where the household registration is located (including the application for small-sum secured loans and low-profit projects in Huaxian County) in duplicate; Application form for financial discount loan for small secured loan of meager profit project in duplicate, etc. ). At the same time, the original and photocopy of the valid identity certificate (ID card, household registration book) of the loan applicant and spouse, and the original and photocopy of the qualification certificate (graduation certificate, employment unemployment registration certificate, etc.). ), and submit the original and photocopy of the legal business certificate (business license or relevant business certificate).
2. Review and recommend. After receiving the application, the township (street) or community labor and social security department will investigate the qualifications, integrity, business premises, project market prospects and individual entrepreneurial ability of the loan applicant, focusing on whether the loan applicant has a bad credit record, bad behavior or economic violations. Those who pass the preliminary examination shall issue recommendations and report to the county microfinance guarantee center.
3. Provide counter-guarantee. The loan applicant must provide counter-guarantee, submit the certificate of the counter-guarantor's unit and two copies of the counter-guarantor's commitment letter and the ID card 1 copy, and go to the guarantee center to handle the guarantor's commitment guarantee procedures.
4. Issue loans. The guarantee center will transfer the relevant materials of qualified loan applicants to the handling bank, and the handling bank will sign a loan contract with the borrower to issue loans.