Recently, Wuhan issued a policy to help college graduates find jobs, increasing the amount of personal business loans from 30,000 yuan to 50,000 yuan, and the amount of partnership business loans from 80,000 yuan in the past to 6.5438+0.5 million yuan. How can college graduates enjoy this preferential policy for entrepreneurship smoothly? Yesterday, the reporter interviewed the relevant staff of Wuhan Talent Service Center.
Prepare the materials before applying.
According to Zou Xiaoyan, director of the Personnel Agency Department of Wuhan Talent Service Center, after the introduction of the new regulations, they have submitted an applicant's material, and the result was returned because of the lack of accounting statements for the last month.
According to reports, self-employment needs to provide seven materials, including graduation certificate, personnel file, urban personnel ID card and unemployment certificate, individual business license, loan purpose and repayment plan, application form and credit guarantee approval form.
Where a company engages in partnership business, it shall also submit accounting statements, capital verification reports, articles of association, organization code certificate, tax registration certificate and resolutions of shareholders' or partners' meetings approved by accounting firms.
An important part of the application is to find a good guarantor. The new regulations have greatly lowered the threshold for guarantors. Anyone who has a stable job, a monthly income of more than 2,000 yuan, a permanent residence in Wuhan and a self-owned property can be used as a guarantor.
After the materials are ready, they can be submitted to the municipal talent service center to formally start applying.
Lending can be made after 2 1 working day.
Many entrepreneurs are concerned about how long it will take from submitting an application to obtaining a loan. Zou Xiaoyan said: "Under normal circumstances, the loan can be released within 2 1 working day."
After receiving the materials, the Municipal Talent Service Center conducts a preliminary examination, conducts on-the-spot investigation and writes a recommendation, and then submits it to the office of Wuhan Small Guaranteed Loan Fund Management Committee, which submits it to the loan guarantee institution-Wuhan Science and Technology Guarantee Company for review. The guarantee institution shall confirm the loan guarantee amount, term and risk prevention measures, issue a guarantee commitment letter after meeting the requirements, and send it to the handling bank. According to reports, Jiangnan's application is handled by Wuhan Commercial Bank, and Jiangbei's application is handled by Wuhan Bank of Communications. After the bank confirms, it will go through the loan procedures and release the loan.
Zou Xiaoyan introduced that the above procedures are free and the applicant does not pay any fees. The loan period is 2 years, during which you can enjoy the full discount from the state and local finance. After the repayment expires, you can also apply for a second loan.