A. What are the subsidized loan applications in Rural 2021?
Rural 2021 subsidized goods applications are: personal entrepreneurial goods, large-scale agricultural equipment purchase goods, seed pesticide loans, small and micro-enterprise goods, and so on.
Two, which loan programs can apply for subsidized interest?
After applying for a micro-guaranteed loan, laid-off unemployed people can apply for a subsidized loan if they are engaged in the following business, catering and repair projects in the community, street, industrial and mining areas. Specifically: cottage industry, repair and fitting, book lending and reading, hotel services, small meals, small store retail, moving, hourly wage, household cleaning and sanitation services, primary health care services, infant and child care and education services, disabled children's education and training and foster care services, elderly services, patient care, early childhood and student transportation services. The above micro-profit projects approved by the guarantee and loan, can be based on the same period of commercial loan interest rates according to the actual full subsidized interest, the extension of the interest rate is not subsidized.
Three, 2022, the national policy interpretation of subsidized loans
Legal analysis: 2022, the new provisions of the housing loan is: two sets of housing loans minimum down payment has been reduced to 40%, second-hand housing in two years can be exempted from levies after the joint issuance of the document, the Ministry of Land and Urban-Rural Development jointly issued a document to stabilize the property market. Recently, a number of ministries and commissions issued a new property market easing policy, and this time it involves a wider range. The minimum down payment ratio for loans for two sets of housing was adjusted to not less than 40%, a hundred percent lower than the previous period before the bank housing mortgage loans are divided into owned property mortgages, mortgage property mortgages are usually higher than the interest rate of owned property.
2 between the implementation of the actual interest rate is also a big difference, however, its actual interest rate is generally based on the benchmark interest rate, floating a certain percentage to the implementation of the roughly 10% -5
3, since last year's October 24, after the central bank interest rate cuts, the bank is currently implementing the latest benchmark interest rate: loans less than one year interest rate of 4.35%, one year to five years interest rate of 4.75% annual and above is 4.9%. In 2022, banks will also follow this benchmark interest rate. As for individuals for housing against the bank will generally be determined according to the borrower's comprehensive qualifications, housing comprehensive situation and so on.
Legal basis: "Notice on the issue of" Article 1 of the purchase of housing loans not yet settled residential families, in order to improve living conditions again apply for commercial personal housing loans to buy ordinary self-owned housing is not less than 40%, the specific proportion of the down payment and the level of interest rate by the borrower's creditworthiness and
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Four, The direction of the national subsidized loan policy
The direction of the national subsidized loan policy for the purchase of various types of medical equipment, including diagnosis and treatment, clinical testing, critical care, rehabilitation, scientific research and transformation, covering colleges and universities, vocational schools, hospitals, small and medium-sized micro-enterprises and other nine areas, covering the direction and field is more comprehensive, that is to say, involved in the production and manufacture of medical equipment related to the listed companies are expected to In the short term benefit.