What is a discount loan?
"Discounting interest" means "subsidizing interest", which refers to a loan method that the state or bank subsidizes the interest of loan applicants for a specific purpose. It is a preferential loan to encourage the construction of a certain cause or project.
Specific offers in the notice
As mentioned in the notice, for small and micro enterprises that have enjoyed the discount support from the financial sector, they can still apply for loans by applying for a venture guarantee fund. Borrowers and small and micro enterprises with positive repayment, full employment opportunities and good entrepreneurial projects can continue to give discount on entrepreneurial guarantee loans, but the cumulative number of times shall not exceed 3 times.
Methods to improve the pass rate of loan application
The first point: prepare detailed and sufficient application materials.
If you want to apply for a loan successfully, the first thing to do is to ensure that your application materials are complete and sufficient. This includes: application report, company profile, business license and a series of materials. To apply for real estate mortgage loans, you need to provide real estate warrants and related valuation reports.
The second point: actively cooperate with the bank's audit.
If banks have a clearer understanding of enterprises in the process of auditing small and micro enterprises, the chances of obtaining loans will be higher. Enterprises should also maintain good capital operation activities in the usual business process to prove their financial strength.
The third point: seize a good loan opportunity. At present, many banks have products and services specially set up to provide loans for small and medium-sized enterprises, and various national policies also show that the current financial environment is very supportive of small and micro enterprises to provide loans, so we should seize the current trend.
In short, national policies further support the business development of small and micro enterprises, and small and micro enterprises should actively and carefully prepare materials when applying for loans, and cooperate with the review to increase the chances of successful loans.