The preferential loan policy for the disabled is a preferential policy given by the state, including interest reduction and interest-free. At present, relevant policies have been introduced in various places, and they are different. The support policies of different provinces and cities will be different, and the applicants should take the local policies as the standard. Generally speaking, people with disabilities who meet the application conditions can apply for a small secured loan with a quota of 20,000 to 50,000 yuan from financial institutions under the guarantee of disabled guarantee institutions. The loan period is less than two years, the applicant does not need to pay interest, and the employment security fund for the disabled gives a discount. So what we can know is that disabled people can borrow up to 50 thousand yuan at a time, and it is interest-free.

Legal basis: Article 19 of the Regulations on Employment of Disabled Persons The State encourages and supports disabled persons to choose their own jobs and start their own businesses. Persons with disabilities who are engaged in self-employment shall be given tax concessions in accordance with the law, and the relevant departments shall take care of them in business premises and other aspects, and shall be exempted from administrative fees such as management, registration and license according to regulations.

The state provides micro-credit and other support for disabled people to choose their own jobs and start their own businesses within a certain period of time.

Opinions on Supporting Self-employment of Disabled Persons (11) Individuals with disabilities apply for business guarantee loans and discount loans for rehabilitation and poverty alleviation, and the discount 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 (Jin Cai [2016] No.85) and other regulations. 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.