Policies And Regulations On Micro Guaranteed Loans

The laid-off unemployed who are less than 60 years old, honest and trustworthy, and have certain labor skills and entrepreneurial ability can use loans to find their own jobs, start their own businesses or partner businesses. The loan shall be guaranteed by the government, the maximum amount shall not exceed 20000 yuan, and the maximum term shall not exceed 2 years. The repayment method and interest calculation and settlement method shall be agreed by both parties. For laid-off workers who are engaged in household handicrafts, repair and repair, book borrowing, hotel services, catering services, washing, dyeing, sewing, photocopying and typing, hairdressing, grocery stores, moving, hourly services, household cleaning services, primary health care services, infant care and education services, education and training of disabled children The central government will give full discount interest to the elderly care service, patient care, children and students pickup and drop off and other low profit service projects. The borrower applying for small loan shall meet the following conditions: 1. Holding the Reemployment Preferential Certificate issued by the labor and social security department. 2. There is a certain amount of self owned funds. 3. There are loan projects, feasibility analysis and implementation plans. 4. Have participated in entrepreneurship training and have the business ability corresponding to the implementation of the project. 5. Good personal reputation, no bad credit record or other illegal acts. 6. Having a fixed place of business. After obtaining the loan, the borrower shall perform the following obligations: 1. Be honest and trustworthy, strictly perform the agreed obligations, consciously accept the post loan management and financial supervision of the loan bank and the guarantee institution, and ensure the reasonable use of the loan. 2. The employment posts created by the development and operation of loans should give priority to the local laid-off and unemployed people. 3. In accordance with the repayment plan signed with the loan bank, timely repay the principal and interest, and obtain a good credit record.