Basic profile

For example, in order to develop transportation and energy, the State Planning Commission, the Ministry of Finance, the People's Bank of China and the People's Construction Bank of China (now China Construction Bank) stipulated in 1986 that banks should bear interest at an annual rate of 3.6% for loan projects such as electricity, oil exploration, transportation, energy and civil aviation, and give financial interest subsidies to the excess. Discount funds are recovered from the principal and interest of financial investment loans to offset the fiscal revenue of the year.

Second, what is a personal housing discount loan?

Personal housing discount loan refers to the premise of housing loan. Real estate developers will pay part or all of the interest to the loan bank instead of the customer, which is called discounted interest. For customers, the interest becomes lower, or zero interest. This is a means for real estate developers to promote sales. Of course, it is also a real good thing for customers.

3. What does discount loan mean?

Discounted loans refer to special bank loans subsidized by the state or banks for specific purposes.

It is a preferential loan to encourage the construction of a certain cause or project. The loan interest can be fully subsidized or partially subsidized. Generally speaking, the principle of who arranges and subsidizes the loan spread is implemented.

The discount loan arranged by Guoyu Jia Pei is subsidized by the central government; Low-interest loans approved by the People's Bank of China are subsidized by the People's Bank of China; Specialized banks are responsible for low-interest loans.

Extended data:

Discount loan application method:

For individuals who meet the requirements of small secured loans, the general process of applying for loans includes four steps: voluntary application, review and recommendation, commitment to guarantee and slow lending.

1, voluntary application. Eligible applicants submit written applications (some of which can be directly submitted to local human resources and social security departments or guarantee institutions) to the grassroots employment platform where their household registration is located or where they operate, and submit relevant materials, certificates or related certificates.

2. Review and recommend. The human resources and social security departments conduct qualification examination, and those who pass the examination are recommended to guarantee institutions. A guarantee institution refers to a guarantee institution entrusted to operate a guarantee fund in accordance with relevant regulations.

3. Promise. The guarantee institution shall review the applicant's projects in accordance with the relevant provisions, and handle the guarantee procedures for those who meet the conditions.

4. Issue loans. The loan applicant promised by the guarantee institution shall, after being examined and approved by the handling bank in accordance with relevant regulations, sign a contract and issue loans. The handling bank refers to all kinds of financial institutions at all levels that have signed cooperation agreements with guarantee institutions to carry out small-sum secured loan business.

4. What does discount loan mean?

1. Discounted loans refer to special bank loans subsidized by the state or banks for specific purposes. It is a preferential loan to encourage the construction of a certain cause or project. The loan interest can be fully subsidized or partially subsidized. 2, the dispersion of loans, generally implement the principle of who arranges who subsidies. The subsidized loans arranged by the state are subsidized by the central government; Discounted loans issued by the People's Bank of China are subsidized by the People's Bank of China; Specialized banks are responsible for discounting loans.