220919 Ten Social Affairs Pass to Train (Issue 216) Entrepreneurship Guarantee Loan

Focus on people's livelihood, focus on employment, welcome to listen to the "Human Resources Pass" jointly broadcast by the Yongzhou Human Resources and Social Security Bureau, Yongzhou News Comprehensive Broadcasting 94 and 8. Hello everyone, I am Luo Luo.

Recently, we received a consultation from a audience and friend. He said that he was unemployed and wanted to start a business and break out a new world, but it was a bit difficult to start the funds. He wanted to apply for a business guarantee loan. Will it affect the application for entrepreneurial guarantee loans? For this situation, we contacted Yang Ping, director of the Entrepreneurship Loan Guarantee Center of Yongzhou Human Resources and Social Security Bureau, and asked her to make professional answers for us.

Yang Ping, Director of the Entrepreneurship Loan Guarantee Center of Yongzhou Human Resources and Social Security Bureau

Will it affect the application for entrepreneurial guarantee loans if you have registered an unemployment registration?

Yang Ping: Understanding of unemployed personnel, that is, the "Employment Entrepreneurship Certificate" (or "Employment Unemployment Certificate" issued by the Human Resources and Social Security Department (or "Employment and Unemployment Certificate" is the target of our loan and can apply for entrepreneurial guarantee loans. (Premium registered registration/then apply for industrial and commercial registration to apply for entrepreneurial guarantee loans)

Which groups can apply for entrepreneurial guarantee loans?

Yang Ping: Within the age of the legal labor, he has a certain entrepreneurial ability and the desire to entrepreneurship, and the urban registration of unemployed, employment difficulties (including disabled persons), re -employment retired soldiers, criminal release personnel, resolving excess production capacity Employees and unemployed people, returning to entrepreneurial migrant workers, online merchants, poor people in the establishment of files, rural independent entrepreneurial farmers, as well as personnel and small and micro enterprises who are entrepreneurial and organized by partnerships and organizations can apply for entrepreneurial guarantee loans.

How to apply for a business guarantee loan in Yongzhou?

Yang Ping: The city level can be handled at the window 24 of District A, No. 24, the first floor of Yongzhou Civil Service Center. 0746-8440601.

What information is needed?

Yang Ping: Holding ID cards, business licenses and identity certificates that meet the loan objects.

How much can a person apply for a guarantee loan?

Yang Ping: The maximum loan amount is 200,000 yuan, and the loan period is 2 years; if a partnership entrepreneurship and organizational entrepreneurship, the maximum loan amount is 1.1 million, and the loan period is 2 years. The maximum loan amount of the qualified small and micro enterprises is 3 million yuan, and the loan period is 2 years. For individuals and enterprises with positive repayment, good credit, strong employment capacity, and good (entrepreneurial) project, you can continue to apply for entrepreneurial guarantee loan Discipline, but the cumulative number must not exceed 3 times.

After submitting the application, how long can the loan be down? How long can I loan?

Yang Ping: After the store is completed, you can go to the bank to go through the loan procedures within 5 working days.

Another question is that everyone is more concerned about, is it that entrepreneurial guarantee loans need to pay interest?

Yang Ping: Entrepreneurship guarantee loans enjoy fiscal discounts. The specific discount ratio floats up and down according to the interest rate of the loan market. At present, the entrepreneurial guarantee loan enjoys a fiscal discount of 3%. If the interest you need to pay is 2.15%, and if the loan amount is 200,000, the one year of payment (interest) is 4,300 yuan, and the two years are 8,600 yuan.

Moderator: Okay, thanks to Yang Ping's professional and authoritative answers, and hope to help friends in need.

The above is all the contents of this issue of "Human Resources". If you have the needs of job hunting, recruitment, or if you want to know the relevant information of human society such as innovation application, subsidy application, skills training, and recruitment, you can download the "Evergrande Employment" APP and follow the WeChat public number line on online consultation. It is more convenient to be more convenient You can also call the consultation hotline 0746-8227461 or follow the "Yongzhou Broadcasting" WeChat public account to leave a message to us. Pay attention to the previous program. "Cars", "Human Resources Pass" is broadcast every Monday, Wednesday, and Friday at 7: 45, 11:35 in the morning, and goodbye to the next program.

- END -