When you start a business, the government will give you a loan of up to 2 million and help you pay interest. Don’t miss it!

A few days ago, the Human Resources and Social Security Bureau issued a “Report on the Investigation of the Entrepreneurship of Shanghai Municipalities.” There is a data in this report that shocks Zhou Jun:

One in every eight young people in Shanghai is an entrepreneur! !

Little friends, there are woods like Zhou Jun, and instantly feel surrounded by BOSS…

Of course, the boss is not so good.

Almost all entrepreneurs face difficulties such as a shortage of liquidity, the inability to find a suitable place of business, and limited experience in personal entrepreneurship.

In fact, in these years, in order to help entrepreneurs promote employment, the Human Resources and Social Security Bureau is also broken.

For the difficulty of starting a business, the Human Resources and Social Security Bureau has issued a large number of policies: If you lack funds, I will give you a loan; you said that the rent is too high, I will give you a rent subsidy; if you have no experience, I will send you Zhuge Liang all the way to help and make suggestions. Even if you say that your labor costs are high, I still have social security subsidies…

But with so many good things, there are still many people who don’t know, the human and social bureau is crying…

Fortunately, there are thoughtful gentlemen!

In the following period, Zhou Junjun intends to sort out our entrepreneurial policies. Let your friends become big BOSS as soon as possible!

Today, let’s start with the loan article…

Zhou Junjun researched and summarized, the city’s entrepreneurial loans provide four kinds of loans according to the different identities of the applicants and your entrepreneurial status, the amount ranging from 3,000 yuan to 2 million yuan, the interest rate is the benchmark interest rate of the People’s Bank of China during the same period. . Friends can choose according to our index, which one is more suitable for you!

▍ Funding help starts with a dream…

Pre-employment microfinance: up to 150,000

Don’t think that you want to get a threshold for a startup loan.

As long as you have a dream of starting a business, then write it down and you will get a loan of 150,000 yuan!

The official name of this loan is: pre-employment microfinance guarantee.

Policy object:

1 35-year-old (including) below the city’s household registration youth

2 Students enrolled in colleges and universities in this city (including graduates and non-graduate students)

3 35-year-old graduates of colleges and universities in this city hold the “Shanghai Residence Permit” and hold the “Shanghai Overseas Talents Residence Permit”.

4 Internet merchants in this city who have not yet registered for business registration

The above four groups of people, as long as you have a relatively complete entrepreneurial project plan, no illegal crimes and bad credit records, intend to apply for a micro-credit guarantee before starting a business in Shanghai.

loan amount:

The maximum amount of secured loans is 150,000, and the maximum period of secured loans is 1 year.

Guarantee method:

The policy guarantee agency provides a full free guarantee.

In other words, you do not need to provide any personal guarantee as long as you meet the conditions.

Application process:

The first step: application acceptance

1 Carry the relevant identification documents such as the identity certificate and the business project plan as required, and apply to the district entrepreneurship guidance service department where the applicant intends to start the business.

2 If you are an online shop owner, but have not yet registered for business registration, you need to apply to the entrepreneurial guidance service department in the area where the household registration is located. Provide proof of the real name registration information of the network platform, the operating status of 3 months and above, and the reputation evaluation status of the network platform.

Step 2: Identity confirmation

The District 1 Entrepreneurship Guidance Service Department conducts preliminary review of the applicant’s guarantee policy counseling, integrity record investigation, and identity qualification confirmation.

2 The bank will conduct a credit inquiry.

The third step: feasibility analysis

The fourth step: guarantee approval

Step 5: Bank lending

Loan discount:

Before Zhou Junjun said, the city’s entrepreneurial loan policy not only gives loans, but also a good thing to help you pay interest.

If you pay off the principal and interest of the loan within the loan period, or if the loan is overdue, but you have paid off the principal and interest of the loan before the guarantee institution has paid it, you can apply for a discount.

Need to be especially reminded that the micro-credit before the start-up can get a full discount! How much interest subsidy you can get by actually paying the interest to the bank.

Simply put, as long as you meet the conditions, you are equivalent to an interest-free loan!

Discount application process

1 The borrower may, within 3 months from the date of expiration of the loan, provide guidance to the district on the basis of proof of debt service, business license (or private non-enterprise unit registration certificate, farmer professional cooperative legal person business license) and other relevant certification materials. The service department submitted a discount application.

The District 2 Entrepreneurship Guidance Service Department verifies the borrower’s entrepreneurship and grants interest subsidy after being approved by the District Employment Promotion Center.

If you are a small boss in a community store…

Micro-guaranteed loan: 3,000 yuan to 30,000 yuan

Not every business must be vigorous, or you just want to open a small grocery store with your family in the community, a home appliance repair shop, busy every day, life can still be full of worry. Then, a self-employed micro-guaranteed loan is very suitable for you.

Policy object

▪ Unemployed persons, co-insurance personnel, rural surplus labor, land-expropriated labor, and graduates of colleges and universities;

▪ No illegal criminal acts and bad credit records;

▪ If you have received a small secured loan, you must have paid off the principal and interest of the loan;

▪ Entrepreneurial projects are in line with the characteristics of providing direct services to community residents and families. Self-employed entrepreneurs are recognized as “self-employed” by the street (township) labor security office, and are registered for employment.

Guarantee amount and guarantee period

▪ The initial stage of self-employment: the guarantee amount is 3,000-8,000 yuan, and the guarantee period is 3-18 months;

▪ Self-employment development stage: the guarantee amount is 10,000-30,000 yuan, and the guarantee period is up to 3 years.

● Need to be reminded is:

The guarantee amounts for these two phases are not mutually exclusive. For example, you got a guarantee of 8,000 yuan in the initial stage of business, and after a few months, you paid off the loan. After a while, your store needs funds to develop, and you can still apply for the guarantee amount of 10,000 yuan to 30,000 yuan in the development stage.

Application process

● Apply for a micro-guaranteed loan in the initial stage

1 Application acceptance: With the relevant certification materials, apply for guarantee to the street (township) labor security office of the permanent residence

2 Materials include: my ID card, labor manual (has been recorded in the self-employment employment registration record) and “self-employment or self-employment employment registration record form”.

Zone 3 review:

4 Bank lending:

● Self-employed entrepreneurs apply for development stage micro-guaranteed loans

1 Application acceptance: Self-employed entrepreneurs should bring relevant certification materials to the township labor and social security office of the permanent residence as required, and the acceptance department will verify the materials;

2 Materials include: my ID card, labor manual, “self-employment micro-guarantee loan repayment plan” and proof of payment of principal and interest of micro-startup loan in the initial stage.

Zone 3 review:

4 Bank lending:

Loan discount

This loan, like the pre-startup loan, is eligible for full discount.

Anyone who pays off the principal and interest of the micro-guaranteed loan on time, can apply for the loan interest subsidy to the District Employment Promotion Center that originally accepted the loan within 3 months from the date of repayment; if the interest rate is met, the loan interest will be paid according to the actual loan interest. Full discount.

Materials include:

▪ Proof of payment of principal and interest provided by the bank

▪ Interest coupon

▪ Self-employment micro-guaranteed loan interest application form

▍ If you already own a business, you are lending in your own name…

Personal business guarantee loan: up to 500,000 yuan

When your dreams are poured and flowers are made, you become the owner of a small and micro enterprise. The money you need is probably not tens of thousands, hundreds of thousands! Then you have two options:

First, the loan is made in the name of an individual with a loan amount of up to 500,000.

Second, if you make a loan in the name of a legal person, then your loan amount can be as high as 2 million!

First of all, let’s talk about the first situation, that is, personal business guarantee loans.

Policy object:

1 With the city’s household registration, in the legal working age, the city is registered to open small and micro enterprises, individual industrial and commercial households, farmers’ cooperatives, and private non-enterprise legal representatives (responsible persons).

2 Students enrolled in colleges and universities (including graduates and non-graduate students) are registered in the city to open small and micro enterprises, individual industrial and commercial households, farmer cooperatives, and private non-enterprise legal representatives (responsible persons).

3 35-year-old graduates of this city who hold the “Shanghai Residence Permit” or hold the “Shanghai Overseas Talents Residence Permit” are not registered in this Municipality. They are registered in the city to start small and micro enterprises, individual industrial and commercial households, and farmers. The legal representative (responsible person) of a cooperative or private non-enterprise.

Loan amount and term:

The maximum amount of the secured loan is 500,000 yuan, and the term of the secured loan is up to 3 years.

Guarantee method and amount

The large amount of loans means that the obligations you have to bear are correspondingly larger.

Unlike the first two microfinance loans, in order to obtain a loan, you need to provide a valid guarantee to the bank as required:

Application conditions

To get a loan, in addition to providing a certain percentage of guarantees, you must also:

▪ Compliance with laws and regulations, no criminal offences and bad credit history

▪ The loan amount does not exceed 2 times of the applicant’s own funds

▪ Your company should establish a accounting accounting management system and conduct tax registration according to law.

▪ The most important thing is that your company absorbs the proportion of unemployed, co-insurance workers and rural surplus labor in the city as follows:

Small and micro enterprises and other types of entrepreneurial organizations in 10 or more (including 10) or more, the proportion of unemployed, co-insurance and rural surplus labor in the city shall not be less than 50%.

If the number of employees is less than 10, the proportion of unemployed, co-insurance and rural surplus labor in the city shall not be less than 70%;

▪ “Students” also need to provide the recommended materials issued by the relevant departments of the university.

Application process:

The first step: application acceptance

The applicant shall carry the relevant identification documents such as the identity certificate and the certificate of the entrepreneurial organization as required, and apply to the district entrepreneurial guidance service department where the applicant’s entrepreneurial organization is registered.

Step 2: Identity confirmation

The third step: financial evaluation

The fourth step: guarantee approval

Step 5: Bank lending

Loan discount

The discount offered by this loan is no longer a full discount. According to different situations, the amount and duration of discounts vary:

1 According to the borrower’s absorption of unemployment, co-insurance personnel and rural surplus labor in the city and stable employment, a discount of 2,000 yuan per person per year is granted.

2 For one month of continuous employment and payment of one month’s interest, the maximum subsidy is 3 years.

3 The maximum interest subsidy does not exceed the bank interest actually paid by the borrower.

The Borrower shall apply to the District Entrepreneurship Guidance Service Department within 3 months from the date of expiration of the loan; the District Entrepreneurship Guidance Service Department shall, in accordance with the regulations, absorb the unemployment, co-insurance personnel and rural surplus labor of the Municipality and maintain the employment stability. Verify that interest subsidies are granted after approval by the District Employment Promotion Center.

If you are in the name of a corporate legal person, your loan amount will be very attractive…

Corporate Entrepreneurship Guaranteed Loan: up to 2 million yuan

The last loan to be mentioned is the same as the personal entrepreneurial guarantee loan mentioned above for small and micro enterprises.

You can only obtain a loan with a guaranteed loan amount of up to 2 million yuan if you apply for the identity of a small or micro enterprise legal person registered in the city. The maximum period of the secured loan is 3 years.

Guarantee amount

The personal guarantee portion of the applicant for the “Small and Micro Enterprise Legal Entrepreneurship Guarantee Loan” is provided by the legal representative of the applicant company. The part of the loan that the applicant has insufficient guarantee is guaranteed by the policy guarantee institution.

The applicant shall provide effective guarantee to the handling bank in accordance with the following provisions:

Application conditions

▪ The company’s net assets must not be less than 50% of the loan amount, and its legal representative can provide the necessary personal guarantees as required;

▪ The enterprise shall establish a accounting accounting management system and conduct tax registration according to law;

▪ If the number of employees in the enterprise is more than 10 (including 10), the proportion of unemployed, co-insurance and rural surplus labor in the city shall not be less than 50%; if the number of employees is less than 10, the unemployment and co-insurance of the city shall be absorbed. The ratio of personnel to rural surplus labor must not be less than 70%.

Application process

The specific bidding process is handled in accordance with the relevant procedures of the “Personal Entrepreneurship Guarantee Loan” of this Municipality.

Loan discount

The borrower pays off the principal and interest of the loan within the loan term, or the loan is overdue, but the borrower pays off the principal and interest of the loan before the guarantee institution subrogates; during the loan period, the borrower’s small and micro enterprise accepts the unemployment and insurance of the city according to regulations. Personnel and rural surplus labor and maintain a stable job position can apply for interest subsidies.

The specific discount amount and duration are as follows:

1 According to the borrower’s absorption of unemployment, co-insurance personnel and rural surplus labor in the city and stable employment, a discount of 2,000 yuan per person per year;

2 Continuous employment and payment of one month’s interest for one month, up to a maximum of three years;

3 The maximum interest subsidy does not exceed the bank interest actually paid by the borrower.

Discount application process

The Borrower shall apply to the District Entrepreneurship Guidance Service Department within 3 months from the date of expiration of the loan; the District Entrepreneurship Guidance Service Department shall, in accordance with the regulations, absorb the unemployment, co-insurance personnel and rural surplus labor of the Municipality and maintain the employment stability. Verify that interest subsidies are granted after approval by the District Employment Promotion Center.

Special reminder: It is not difficult to borrow and borrow.

Attachment: Opening Guidance Department of Employment Promotion Centers in each district