Recently, the reporter learned from Sanmenxia Municipal Bureau of Human Resources and Social Security that Sanmenxia has further increased the support for the discount interest of business guaranteed loans and implemented full financial discount interest on individual business guaranteed loans, which fully supported the key groups in starting businesses and finding jobs.

 At present, due to the epidemic, the employment situation is very complex and severe. Some industries and enterprises are facing difficulties in operation and the employment supply of is shrinking. In order to reduce the financial pressure on entrepreneurs and encourage more people to participate in entrepreneurship, Sanmenxia has further increased its financial support for entrepreneurs, especially returned entrepreneurs, college graduates and other key groups to start their own businesses, and implemented full financial discount for personal business guaranteed loans.

 According to the relevant policies of business guaranteed loans, the amount of personal business guaranteed loans is 200,000 RMB; If several people started a business together, 1.5 million RMB for a business guaranteed loan can be provided; Qualified small and micro enterprises can apply for a guaranteed loan of up to 3 million yuan. It is worth noting that the full financial discount policy does not include small and micro enterprises. For small and micro enterprises that have obtained business guaranteed loans, the financial discount is still implemented according to the original standard.

 The financial discount business guaranteed loan needs to meet the following conditions: the applicant submits the application for a start-up guaranteed loan, he or she and his or her spouse should have no other loans, except for student loans, poverty alleviation loans, housing loans, car purchase loans, and small consumption loans less than 50000RMB (including credit card consumption), After enjoying the national financial discount policy for 3 times, or if the applicant meets the conditions for the loan application, but he or she does not meet the conditions for discount, he or she can apply for a non-financial discount business guaranteed loan.

People apply for start-up guarantee loans, in addition to the relevant certificates and licenses stipulated in the policy, counter guarantee should also be provided. The applicant may choose a third party guarantee, house mortgage, deposit certificate mortgage or other forms of counter guarantee that conform to the policy according to actual situations. At present, the most convenient and direct forms of counter guarantee are third-party guarantee and house mortgage. People who have paid social security for more than half a year successively in Sanmenxia can act as counter guarantors. Housing mortgage refers to the housing property certificate of the front room or residential housing as mortgage. The house mortgage is free of evaluation fees. In order to reduce the burden on entrepreneurs and improve the availability of loans, the counter guarantee requirements can be exempted when applying for a guaranteed loan for entrepreneurship of 100,000 RMB or less.

In the next step, Sanmenxia will give full play to the discount interest advantage of the entrepreneurship guaranteed loan policy, fully support the entrepreneurs, drive more people to get jobs through supporting entrepreneurship, so as to boost the healthy and stable development of economy and society in Sanmenxia.