Then someone asked him that he got an interest-free loan. Why? In fact, he got a discount loan, not an interest-free loan. Discounted loans refer to special bank loans subsidized by the state or banks for specific purposes. It is a kind of preferential loan, which is used to encourage the construction of a cause or project. In other words, the state has implemented preferential policies to support the development of a certain industry in a certain period of time, and banks are still reviewing and issuing loans according to the loan requirements. However, it is also possible that the borrower will go to a special department to retrieve the interest application after paying the interest.
For example, during the epidemic in 2020, in order to support some enterprises and some industrial and commercial households seriously affected by the epidemic, China allowed them to apply for special loans from banks with their business licenses or other application materials. After the loan expires, if the loan can be repaid as scheduled, the borrower can apply to a specific department for repayment of the loan interest already paid. At this time, the interest expense is not paid by the bank, but by the special department of the government.
Therefore, interest-free loans are impossible, and the discount loan scheme is feasible, but the following three conditions must be met:
1. Meet the application conditions of both parties for discount loans. For example, the state allows some hotels and travel agencies to apply for discount loans during the epidemic. Then it is impossible to apply for a business license at this time, but the scale of the restaurant, tax status, labor and employment population, financial statements and so on. You can apply only if you meet the loan application conditions. For example, how can a restaurant that has never paid taxes to the state apply for a discount loan?
2. The review of discount loans is still dominated by banks. If the bank evaluates that it meets the application conditions, but the repayment risk is relatively high, it will still be rejected. In other words, the application may not be approved. How to approve it may have to wait for the opinions of the bank's risk control department. If there is something wrong with the business license legal person's credit investigation, such as the overdue payment record in the central bank's credit investigation report, it still does not meet the examination and approval conditions and will be rejected.
3. The interest return of discount loans must be made after repayment. Generally speaking, the application for discount loans must be returned after the maturity, that is, after the repayment obligation is fulfilled, the interest paid in advance can be applied for discount. Only borrowers who keep promises and keep promises can get discount.
Now everyone understands that there is no such thing as a free lunch and no ready-made loan. Only by doing a good job at ordinary times and meeting the requirements of national guidance can we obtain information loans.