Ex-servicemen who buy self-occupied ordinary commodity housing can withdraw housing provident fund to pay the down payment directly. Soldiers who have won first-class merit or above apply for housing provident fund loans for the first time to purchase ordinary self-occupied housing, and the loan amount will rise by 50% according to the maximum loan limit of this Municipality; If you apply for a loan for the first time for the second class and the third class, the loan amount will rise by 25% according to the maximum loan limit of this Municipality; When the loan issuance needs to wait, priority will be given to ensuring the issuance of provident fund loans for retired military personnel, and the waiting time will be halved.
; 1. Loan (electronic receipt credit loan) is simply understood as borrowing money with interest.
2. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
3. As a leading consumer credit information service enterprise in China, Lirong.com is the only enterprise in China that has launched the MBA student loan project. The bridge loan provided by Lirong.com to MBA freshmen can help students solve the tuition problem easily. MBA freshmen can apply for low-interest student loans ranging from10-200,000 yuan with the admission notice. If the monthly interest rate is even as low as 0.7%, it is lower than the bank credit card installment. After entering school with the student loan provided by Li Rong. Com, MBA students can apply to the school for a national student loan with a low interest rate, and then use the national low-interest loan to repay the tuition bridge funds in one lump sum. In this way, as long as the borrower indicates the interest after service when applying, he can apply for a student loan in this form before entering school. The best application period is six months. Generally, the national student loan applied for in September will not be approved until February of the following year. In this way, MBA freshmen don't have to worry about the high tuition fees at one time, and they can easily complete their studies through student loans.
4. Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
Preferential policies for ex-servicemen to buy houses
Our country has no preferential policies for ex-servicemen to buy houses (housing allocation in the planned economy period).
What needs to be emphasized is that no matter what period, for ordinary veterans and demobilized soldiers, whether they are urban household registration, rural household registration, demobilization or job transfer; Once you leave the army, you are an ordinary citizen, but you are an honor of having been a soldier. The word "service" is recorded in the column of "military service status" in the household registration book.
Extended data:
Support veterans to start businesses:
The first is to strengthen entrepreneurship training. All localities should organize and carry out entrepreneurship awareness education, entrepreneurship project guidance, enterprise management and other training for retired military personnel with entrepreneurial will, enhance entrepreneurial confidence and enhance entrepreneurial ability.
The second is to give priority to providing entrepreneurial places. Encourage the establishment of veterans' business incubation bases, creative spaces and pioneering parks, solve the problem of lack of venues, funds and technology in a targeted manner, and create conditions for veterans to innovate and start businesses.
The third is to enjoy fiscal and tax incentives. Retired soldiers who set up small and micro enterprises can apply for business guarantee loans and enjoy loan interest subsidies according to regulations, and all localities can increase their support in light of the actual situation. Encourage social capital to set up veterans' venture funds and broaden the channels of fund guarantee. Ex-servicemen who are engaged in self-employment can enjoy tax incentives. In the next step, relevant departments will also study and improve the preferential tax policies for employment and entrepreneurship of retired military personnel.
Baidu Encyclopedia-Retired Soldiers
Is there a discount for veterans' first home loan?
There is no preferential policy for veterans to buy a house, but there are benefits in terms of loans. If they apply for a small loan, the interest for the first three years will be subsidized by the government. During this period, veterans only need to repay the principal, and the pressure is relatively small, but the maximum amount of microfinance does not exceed 50,000 yuan.
Veterans can enjoy the national unified preferential interest rate for housing provident fund loans when they borrow money to buy a house, so the pressure of repaying principal and interest will be less. Active military officers, civilian cadres and non-commissioned officers, as well as retired cadres and non-commissioned officers under military management, can enjoy the national unified preferential interest rate for housing provident fund loans when purchasing the first home.
legal ground
Notice on Improving and Perfecting the Policy of Small Guaranteed Loans Article 1 Laid-off and unemployed persons who hold the Re-employment Concession Card and demobilized soldiers in cities and towns who hold valid certificates for their discharge from active service may apply for small secured loans from banks according to regulations. The specific arrangements of the veterans loan policy are somewhat different. Specifically, veterans should start businesses, qualified commercial banks should give priority to providing credit support to veterans, and veterans can enjoy tax incentives. In addition, veterans engaged in low-profit projects are given financial interest subsidies and enjoy interest-free loans at the highest.