创业担保贷款如何还款？

Core Viewpoint - The article discusses the concept and application process of entrepreneurial guarantee loans, which are designed to support individual entrepreneurs and small micro-enterprises in job creation through government-backed financing [2]. Group 1: Personal Application for Entrepreneurial Guarantee Loans - Individuals must meet two main criteria to apply for entrepreneurial guarantee loans: they must belong to key employment groups and must not have other loans except for specific types [3][4]. - Key employment groups include urban registered unemployed individuals, veterans, college graduates, and others facing employment difficulties [4]. Group 2: Small Micro-Enterprise Application for Entrepreneurial Guarantee Loans - Small micro-enterprises must satisfy three conditions to apply for entrepreneurial guarantee loans, including hiring a certain percentage of eligible individuals [5][6]. - Specifically, they must have hired at least 10% of their current workforce from eligible groups within the past year, or 5% for enterprises with over 100 employees [6]. Group 3: Loan Amounts and Terms - The maximum amount for personal entrepreneurial guarantee loans is 300,000 yuan, with a repayment period of up to 3 years [8]. - For small micro-enterprises, the maximum loan amount is 4 million yuan, with a repayment period of up to 2 years [9]. Group 4: Repayment Methods - Borrowers must sign a loan agreement with the bank, and repayment methods are to be agreed upon with the bank, typically involving monthly or quarterly interest payments and annual or lump-sum principal repayments [11].