Small and micro enterprises' business start-up guarantee loan and interest discount in Ningyang County (small and micro enterprises' business start-up guarantee loan and interest discount rate in Ning

Small and micro enterprises' business start-up guarantee loan and interest discount in Ningyang County (small and micro enterprises' business start-up guarantee loan and interest discount rate in Ningyang County) Small and micro enterprises start-up guarantee loans and interest subsidies

Policy content: eligible small and micro enterprises can apply for business start-up guarantee loans. The maximum loan amount does not exceed 3 million yuan.

Applicable object: For small and micro enterprises that meet the requirements of statistical classification of large, medium and small enterprises, the number of newly recruited employees who meet the requirements of applying for business guarantee loans in that year has reached more than 15% of the existing employees of the enterprise, and they have signed labor contracts for more than 1 year, and they are required to have no serious illegal credit records such as unpaid wages and social insurance premiums, and the enterprise, legal representative and major shareholders have good social reputation, no bad credit records and no illegal acts.

Policy standard: the maximum loan amount is not more than 3 million yuan, the loan term is generally not more than 2 years, and the cumulative number of times is not more than 3 times. The financial department will give a discount to small and micro enterprises that enjoy the business guarantee loan at 50% of the quoted market interest rate on the day when the loan contract is signed. The interest rate of small and micro enterprises' business start-up guarantee loan shall not exceed LPR+50BP, and the loan interest rate shall be determined by the handling financial institution through consultation with the borrower according to the operating status and credit status of the borrower.

Handling channel: It is handled according to the process of "the borrower applies according to the regulations, the human resources and social security department examines the borrower's qualification according to the regulations, the guarantee institution conducts due diligence according to its duties, the financial institution examines the loan, and the financial department subsidizes the interest according to the regulations". Ministry of Human Resources and Social Security's telephone number is 5628405.