Veterans can apply for full financial discount loans from local authorities within three years after their discharge. That is, the state pays the interest on your loan to the bank in the form of subsidies, and you don't have to pay interest. But you have to bear the responsibility for breach of contract. And it is small (up to 51,111).
The following are some simplified rules and methods for your situation:
1. The object and scope of loan support
1. The applicant's female cannot be over 51 years old and the male cannot be over 61 years old. 2. Demobilized demobilized soldiers in cities and towns.
second, the loan amount, term and discount
1. The maximum loan amount for self-employed businesses is not more than 51,111 yuan.
2. If a partnership or an organization is established to start a business and registered by the administrative department for industry and commerce, the scale of small secured loans may be appropriately expanded according to the number of partnerships (organizations), business projects, repayment ability, credit status and other specific conditions, and the maximum amount shall not exceed 211,111 yuan. For labor-intensive enterprises recognized by relevant departments, the loan amount shall be determined according to the actual number of employees, and the maximum amount shall not exceed 2 million yuan.
3. The longest loan period is no more than 2 years.
4. The services, catering and commerce projects supported by the state (except those restricted by the state) for demobilized military personnel in cities and towns shall be fully subsidized by the central government according to relevant regulations. The financial discount for re-employment bases and labor-intensive small enterprises shall be implemented in accordance with relevant regulations.
5. The loan interest rate is determined according to the benchmark loan interest rate level published by the People's Bank of China (if it floats, it shall be implemented according to relevant documents).
iii. loan procedures and fund use loans shall be carried out according to the procedures of individual application, community recommendation, review by labor employment service management agencies, loan guarantee agency guarantee, and loan verification by commercial banks. The borrower shall use the loan as working capital for self-employment, self-employment or partnership and organization to ensure that the loan is earmarked for special purposes.
IV. The lender shall submit the following materials
1. Three copies of the borrower's ID card and show the original;
2. Three copies of Re-employment Concession Certificate or Employment Unemployment Registration Certificate, and show the original;
3. Two copies of the Business License for Industry and Commerce (duplicate), and show the original;
4. Two copies of the spouse's ID card, and show the original;
5. Two copies of the Guarantor's Letter of Commitment;
6. Two copies of the guarantor's unit certificate, signed and sealed by the person in charge of the unit;
7. Two copies of the guarantor's ID card, and show the original;
8. Two copies of the store rental agreement or property certificate;
9. two copies of the lender's marriage certificate, and show the original;
11. Two copies of the approval form for micro-loan application (all the above information shall be filled in with pen);
11. In case of partnership operation, two copies of valid certificates indicating partnership operation shall be submitted to the industrial and commercial department, and the original shall be presented;
v. loan guarantee method according to the relevant documents, individual small loans can be provided with counter-guarantee by civil servants in the county or on-the-job staff of fully funded institutions to loan guarantee institutions (loans of 51,111 yuan must be guaranteed by two guarantors).
VI. Low-profit loans (except for construction, entertainment, real estate, intermediary, Internet cafes, oxygen bars and profiteering industries restricted by the state): cottage industry, planting and planting industry, repair and repair, book borrowing, hotel service, restaurant service, washing and sewing, photocopying and typing, haircut, canteen, moving, hourly service, household cleaning and sanitation service and primary health care service.
VII. The Lender shall bear the responsibilities and obligations. After obtaining a small loan, the Lender shall be honest and trustworthy, strictly fulfill the agreed responsibilities and obligations, consciously accept the post-loan management of relevant departments, repay the loan in time, and establish a good credit record.
VIII. Responsibilities and obligations of the guarantor According to the Guarantee Law of the People's Republic of China and other laws, regulations and relevant policies, if the lender's loan is overdue, the guarantor shall bear joint and several liabilities for repayment.