1, prime loan interest rate. Anyone with disabilities who can apply for loans can apply for subsidies according to the loan interest rate, and the highest applicant can get a 10% discount;
2, special funds for loans for the disabled. Many areas of our country have also set up professional special support funds for disabled people's entrepreneurship, and disabled people can apply for tens of thousands to hundreds of thousands of small support loans here. On the premise that the loan guarantee institution promises to guarantee, the disabled can apply for a small secured loan of 20,000-50,000 yuan from the financial institution, and the employment security fund for the disabled will receive a discount of 100% in two years and 50% in the third year.
Disabled employees account for more than 25% of the total number of employees in this unit. Welfare enterprises for the disabled, massage institutions for the blind and other welfare units that centrally arrange employment, foster care services and residences for the disabled may apply to the handling financial institutions for a small secured loan with a quota of less than 200,000 yuan, and the employment security fund for the disabled will receive a discount of 50% within two years.
Legal basis:
Opinions of China Disabled Persons' Federation, National Development and Reform Commission and Ministry of Civil Affairs on supporting disabled persons to start their own businesses.
Four. Provide financial support and subsidies.
(11) Individuals with disabilities apply for business guarantee loans and subsidized loans for rehabilitation and poverty alleviation, and the subsidized part is subsidized in accordance with the Notice of the Ministry of Finance on Printing and Distributing the Measures for the Administration of Special Funds for Development in inclusive finance (Caizong [2065438+06] No.85). If the lease of business premises, start-up capital, purchase of facilities and equipment for self-employment and flexible employment of disabled persons meet the prescribed conditions, all localities can give subsidies and interest subsidies for small loans. Poverty-stricken persons with disabilities can apply for poverty alleviation micro-credit. Specific discount standards shall be implemented with reference to local discount management measures. Government-supported financing guarantee institutions and re-guarantee institutions should increase financing services for disabled people to start their own businesses. Conditional areas can raise funds through multiple channels and set up a risk compensation fund for small loans for the disabled. After a comprehensive evaluation of entrepreneurs with disabilities with good credit, the counter-guarantee can be cancelled.
Law of the People's Republic of China on the Protection of Disabled Persons
Article 36 The state gives preferential tax treatment to the employing units that arrange employment for disabled persons to reach or exceed the prescribed proportion, or arrange employment for disabled persons and disabled persons engaged in self-employment in a centralized manner according to law, and gives support in production, management, technology, capital, materials and venues. The state exempts disabled persons engaged in self-employment from administrative fees. The local people's governments at or above the county level and their relevant departments shall determine the products and projects suitable for the production and operation of the disabled, give priority to the production or operation of welfare units for the disabled, and determine that some products are exclusively produced by them according to the production characteristics of welfare units for the disabled. Government procurement, under the same conditions, should give priority to the purchase of products or services of welfare units for the disabled. Local people's governments at all levels should develop public welfare posts suitable for the employment of disabled people. The relevant departments shall give priority to the issuance of business licenses to disabled people who apply for self-employment. For rural disabled people engaged in all kinds of productive labor, relevant departments should give help in production services, technical guidance, agricultural materials supply, purchase and sale of agricultural and sideline products and credit.