According to the policy, registered unemployed people, ex-servicemen, land-expropriated farmers, disabled people, dependents, college graduates and returning migrant workers can apply for small interest-free loans for self-employment and self-employment abroad.
In addition to industries restricted by the state (such as construction, entertainment, advertising, sauna, massage, Internet cafes, etc.). ), commercial, service, production and processing, breeding and other business projects are regarded as small-sum secured loans with low profit and included in the scope of financial interest subsidies. The discount targets of low-profit projects include self-employed projects and small enterprises that are in partnership and organized for employment.
The maximum amount of small interest-free loans is 50 thousand yuan; For urban and rural women who meet the requirements of the current small interest-free loan applicants, the maximum amount of new personal small interest-free loans is 80,000 yuan; For qualified women engaged in partnership and organized employment, the per capita loan ceiling can be raised to 6,543,800 yuan.
The scope of financial discount, for new loans issued by financial institutions to eligible individuals, the loan interest rate can rise by 3 percentage points on the basis of the benchmark loan interest rate announced by the People's Bank of China. Among them, the interest (including floating interest rate) of small loans for low-profit projects is fully discounted by the central government.