Conditions for applying for interest-free loans for veterans
1, the original and photocopy of the valid certificate of military retirement;
2, the handling of financial institutions issued by the "micro loan business guidance and recommendation form";
3. The applicant's business projects can continue to operate;
4. The applicant has considerable start-up capital;
5. Have the original and photocopy of industrial and commercial business license and tax registration certificate (partnership agreement and photocopy of partner's ID card are also required for partnership operation).
The specific way is that veterans bring their discharge certificates, enterprise information checklists of retired soldiers and personal ID cards to the local government for identification. Those who meet the requirements may apply to the local township government and the industrial and commercial department. After applying, they can apply for a loan in the bank with all the supporting materials.
Veterans' entrepreneurial franchise
Self-employed retired soldiers: those who engage in self-employment (except construction, entertainment, advertising, sauna, massage, Internet cafes and oxygen bars) shall be exempted from business tax, urban maintenance and construction tax, education surcharge and personal income tax within 3 years from the date of receiving the tax registration certificate. Those engaged in the development of barren hills, wasteland, wasteland and barren water shall be exempted from agricultural tax within 3 years from the year with income. The individual income tax payable for farming and aquaculture shall be implemented in accordance with the provisions of the state on individual income tax for farming and aquaculture. Engaged in agricultural mechanization, irrigation and drainage, pest control, plant protection, agriculture and animal husbandry insurance and related technical training business, as well as poultry, livestock and aquatic animals breeding and disease prevention business, according to the current business tax provisions shall be exempted from business tax.
Application procedures for interest-free loans for veterans:
1. Application: You submit a written application to the community or street (township) labor security agency where your household registration or business operation is located, and submit relevant materials and certificates (valid certificates of veterans and employment unemployment registration certificate issued by the labor security department).
2. Audit: After receiving the application, the community or street (township) labor security agency will investigate your qualifications, integrity, business premises, project market prospects, and personal entrepreneurial ability. , issued by the first instance recommendation, submitted to the guarantee institution.
3. Guarantee: the guarantee institution will identify your qualifications, review your project, and go through the procedures of commitment guarantee if it meets the requirements.
4. Lending: You sign a loan contract with the handling bank, and the handling bank issues loans.
Three loan channels for veterans
0 1 small secured venture loan
This kind of loan is the business of the Human Resources and Social Security Bureau. Retired soldiers can go to the county (city, district) human resources and social security bureau after returning to China, and usually set up a special window for small-sum secured entrepreneurial loans.
Small secured risk loans have been set up all over the country. The loan targets are not only veterans, but also many groups. As one of the eligible objects, retired soldiers have a certain amount and a fairly fixed acceptance time every year. Because it is a secured loan, it needs a guarantee.
02 incubating enterprise loan channels
With the country's emphasis on the employment and entrepreneurship of retired military personnel, many places have established "Veterans Pioneer Parks" to provide free entrepreneurial support for retired military personnel, not only related entrepreneurial tutors and free venues, but also financing and loans.
For the incubating enterprises that settle in the pioneer park, one is to find the exclusive pioneer park for retired soldiers; If the local conditions are not yet ready to open a pioneer park for veterans, the other is to find a counterpart pioneer park according to their own projects. For example, science and technology enterprises look for science and technology entrepreneurship parks, and college students look for college students' entrepreneurship parks to do e-commerce, new media and creative culture.
After entering the park, each park will have corresponding loan channels, and you can apply as long as you meet the conditions. The service personnel in the park will inform the application process, and the whole process is much simpler than self-service docking.
03 yongjunyoushu agreement loan
This kind of loan belongs to veterans' exclusive financial concessions. Generally, it is an agreement signed by the Department of Veterans Affairs and some designated bank branches to provide preferential loans for veterans.
For example, Shandong signed cooperation agreements with China Agricultural Bank, China Construction Bank and Postal Savings Bank, providing veterans with loans of up to 200,000 for individuals and up to 500,000 for small and micro enterprises, with a repayment period of up to two years and full government discount.
Judging from the current situation, many provinces and cities in China have introduced preferential policies for entrepreneurial loans for retired military personnel. Because this kind of loan is a relevant agreement signed between the local veterans affairs department and the bank branches, local policies vary in terms of loan application procedures, loan application amount, full government discount or low interest discount. , should be subject to local policies.
legal ground
Law of People's Republic of China (PRC) on the Protection of Veterans
Forty-sixth retired military personnel to establish small and micro enterprises, can apply for business guarantee loans in accordance with the relevant provisions of the state, and enjoy preferential financing policies such as loan discount. Ex-servicemen engaged in self-employment enjoy preferential tax policies according to law.