Veterans can apply for full financial discount loans from local governments within three years after they leave the army. 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's very small (up to 50 thousand)

Here are some simplified rules and methods for your situation:

First, the support object and scope of the loan

1. The age of the applicant shall not exceed 50 for females and 60 for males.

. 2. Demobilized veterans in cities and towns.

Second, the amount, duration and discount of the loan.

1. The maximum amount of self-employed loans shall not exceed 50,000 yuan.

2, partnership and organization to start a business and registered by the administrative department for Industry and commerce, according to the number of partnership enterprises (organizations), business projects, repayment ability, credit status and other specific circumstances, appropriately expand the scale of small secured loans, the maximum amount does not exceed 200 thousand yuan. For labor-intensive enterprises identified by relevant departments, the loan amount shall be determined according to the actual number of employees, with a maximum of 2 million yuan.

3. The longest loan period shall not exceed 2 years.

4. Retired urban soldiers engaged in state-supported service industries, catering industries and commercial projects (except industries restricted by the state) shall be fully subsidized by the central government according to relevant regulations. Financial interest subsidies 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 there is any fluctuation, it shall be implemented according to relevant documents).

Three, loan procedures and the use of funds loans in accordance with the individual application, community recommendation, labor and employment service management institutions audit, loan guarantee institutions guarantee, commercial banks nuclear loan procedures. The borrower should use the loan as working capital for self-employment, self-employment or partnership organization to ensure that the loan is earmarked.

Four. The lender shall submit the following materials

1, three copies of the borrower's ID card, and show the original;

2, "re employment concession card" or "employment unemployment registration certificate" in triplicate, and show the original;

3. Two copies of the industrial and commercial business license (duplicate), and show the original;

4. Two copies of the spouse's ID card and present the original;

5. Two copies of the guarantor's undertaking;

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 lease agreement or property right certificate;

9. Two copies of the lender's marriage certificate, and show the original;

10, two copies of the micro-loan application approval form (all the above information shall be filled in with pen);

1 1. For partnership enterprises, two copies of valid certificates issued by the industrial and commercial departments indicating partnership operation shall be submitted, and the originals shall be presented;

Verb (abbreviation of verb) loan guarantee According to the relevant documents, individual micro-loans can be provided with counter-guarantee by county civil servants or employees of fully funded institutions to loan guarantee institutions (loans of 50,000 yuan must be guaranteed by two guarantors).

6. Low-profit loans (excluding construction, entertainment, real estate, intermediary, Internet cafes, oxygen bars and profiteering industries restricted by the state), cottage industry, planting and planting, repair and repair, book borrowing, hotel service, restaurant service, washing and sewing, copying and typing, haircut, canteen, moving, hourly service, household cleaning and sanitation service, primary health care service, infant care and education.

Seven. 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.

Eight. Responsibilities and Obligations of the Guarantor According to the Guarantee Law of People's Republic of China (PRC) and other laws, regulations and relevant policies, if the lender is loans overdue, the Guarantor shall be jointly and severally liable for repayment.