Discounted loan means that the user still needs to pay interest every month after applying for a loan, but this interest is paid by the state finance, and the user only needs to repay the principal. Since this interest is paid by the state to the bank, it is impossible to return it.

Moreover, the review of discount loans is strict, and not all loans can be supported by discount policies. For users, the national financial discount can greatly reduce the cost of loans, which is very beneficial to lenders.