Yongjun loan refers to the loans issued by rural commercial banks to active servicemen and their families, veterans and their families, and military survivors in service areas for consumption or production and operation. Servicemen refer to soldiers (active duty conscripts and active duty officers) and officers serving in the China People's Liberation Army or the Chinese People's Armed Police Force.

The loan period can be up to five years. Servicemen and their families shall not exceed one year after the expiration of their service; Soldiers who continue to serve after the expiration of service may extend the loan period according to regulations; Retired from active service, according to the status of veterans and their families. The credit loan amount does not exceed 300,000 yuan; Ensure that the loan amount does not exceed 500,000 yuan; For mortgage and pledge, the amount can be appropriately relaxed.

Active duty conscripts, the loan amount is not more than 30 thousand yuan in principle. It can be relaxed if it has achieved remarkable results in promoting the employment and entrepreneurship of veterans or attracting poor households. In principle, the loan interest rate will rise by 10% to 30% on the basis of the loan interest rate of the same grade in the same period, and the lowest benchmark interest rate can be implemented.