How to apply for Ningbo Entrepreneurship Guaranteed Loan (Ningbo Entrepreneurship Guaranteed Loan Implementation Rules)

Entrepreneurship guaranteed loan application process:

1. The borrower can apply to the street human resources and social security service agency where the residence is located as shown on the business license or unit registration certificate for qualification determination of the Entrepreneurship Guaranteed Loan, and apply accordingly Provide the following materials:

① "Personal Entrepreneurship Guaranteed Loan Qualification Application Form";

② When applying for the first time, the original social security card or resident ID card, and the original residence permit for Hong Kong, Macao and Taiwan residents are required. , permanent residence permit for foreigners;

③Students who have completed the entrepreneurship training class must provide the original certificate of completion of the entrepreneurship training class and the original entrepreneurship project plan, the lease contract of the business site or the original certificate of owning the site;

④Winners of the Entrepreneurship Competition must provide documents proving the award such as organizer documents, award certificates, award links, etc.;

⑤College graduates and current students within 5 years of graduation must provide academic certificates;

⑥Production and operation certification materials.

Borrowers can only apply for entrepreneurial guaranteed loans to one handling bank at a time. If a partnership has multiple executive partners, only one of the executive partners can apply for an entrepreneurial guaranteed loan in the same loan cycle.

2. After receiving the materials, the sub-district human resources and social security service agency will complete the acceptance, review and review work, provide on-site feedback to the applicant on the identification results, and will issue a "Personal Entrepreneurship Guaranteed Loan Qualification Application Form" with identification opinions. and relevant loan application materials to the handling bank.

3. Within 10 working days of receiving the loan application, the handling bank will investigate and review the borrower's entrepreneurial project, credit status, debt repayment ability, etc., and make a decision on whether to lend. . For those who meet the loan conditions, we will sign a loan contract with the borrower and issue the loan; for those who do not meet the loan conditions, we will promptly notify the borrower and explain the reasons. The handling bank shall provide monthly feedback on the issuance of entrepreneurial guaranteed loans to the human resources and social security departments of each district and county.

Loan interest rates

Starting from August 17, 2020, for new entrepreneurial guaranteed loans issued by financial institutions, the interest rate implementation level will not exceed 100 basis points above LPR. The details will be handled by The bank negotiates with the borrower and the borrowing enterprise based on their operating conditions and credit status.

Loan term

The handling bank shall determine the repayment method and interest calculation method of the entrepreneurial guaranteed loan based on the borrower's business activities and capital turnover. The loan term shall not exceed 1 year each time. After the principal and interest are repaid upon maturity, the loan can be renewed twice if the following conditions are met:

① There is no bad credit record during the duration of the previous loan;

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② The production, business and service activities are normal and there are no major losses;

③ No behavior beyond the scope of production and business occurs;

④ There are no other violations of the handling bank's regulations .

Among them, the number of counter-guarantee loan exemptions recommended by municipal-level designated training institutions is once.