To apply for an interest-free loan from a postal bank, the following conditions must be met:

1, with full capacity for civil conduct, under the age of 50.

2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce.

3, engaged in legitimate production and business activities, the project has development potential or market competitiveness, with the ability to repay the loan principal and interest on schedule.

4. Good credit standing, law-abiding, no bad credit and debt records, and mortgage, pledge or guarantee approved by the bank.

5. Having a fixed residence and business premises in the agency.

6. Open a settlement account in the bank and apply for daily settlement through the bank account.

7. Other conditions stipulated by the bank.

Conditions for bank interest-free loans:

1, age 18 to 45 years old, China citizen with full capacity for civil conduct;

2. Proof of fixed residence and business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities;

3. Proof of funds:

The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising;

4. Settlement account:

The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. And the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity;

5. Loan guarantee:

Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly.

6, good reputation, no bad records;

7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply.

Two, postal 50 thousand yuan interest-free loan provisions

Conditions for bank interest-free loans:

China citizen's age 1, age 18 years old to 45 weeks' ability;

2. Proof of fixed residence and business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and operation.

3. Proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks, because the amount of starting loans needs 7% of the total amount of working capital needed for normal production and operation activities and funds needed for purchase (installation or repair).

4. Settlement account. The loan applicant must open a settlement account in the loan bank, and the operating income must be used for equity projects through the bank in combination with relevant national laws and this license.

5. loan guarantee. The loan application includes three forms: real estate mortgage, deposit certificate pledge and third-party guarantee. In addition, you should provide the bank with some information about your credit status, repayment ability and loan investment as much as possible, which will increase the credit integrity of the loan.

6. Good reputation,

7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, both post-financial subsidies and financial prepayments are certain, but financial discount is certain.

The conditions of interest-free loans in each bank are different, but there are many. Be sure to prepare all the information before lending, so as not to waste time running back and forth.

How many times can I borrow an interest-free postal loan of 32,000 yuan?

You can only borrow it once.

Before applying for a loan, you need to meet the following loan regulations:

1. The applicant must be a natural person with full capacity for civil conduct, aged between 18 and 60 years old;

2, the loan funds are mainly used for planting, breeding or production and operation needs;

3. The borrower has a sustainable economic source, or the projects it operates have certain prospects, and the borrower has the repayment ability. The applicant may also need to provide some collateral or guarantor to the postal bank;

4. The loan applicant and the guarantor of the borrower need to have a good credit record;

5. The applicant has a fixed residence or a fixed business place for loan business.

Four, the country has a policy of interest-free loans of 50 thousand yuan per person, what conditions are needed?

Application conditions:

1, laid-off workers in cities and towns (holding the Re-employment Concession Certificate or Unemployment Certificate issued by the labor and social security department);

2. Unemployed demobilized soldiers in cities and towns (valid retirement certificate should be provided);

3 registered unemployed people in cities and towns (holding unemployment certificates);

4. College graduates who have not been recommended for employment for more than half a year and require employment (submit the "Graduation Certificate" of full-time ordinary colleges and universities and the "Employment Registration Certificate for College Graduates" issued by the competent department of college graduates).

5. The loan object must be a China citizen with a fixed residence, a fixed residence in a local town and full capacity for civil conduct.

6, the loan object must be within the legal working age, healthy, honest and trustworthy, with entrepreneurial will, with certain labor skills.

7. Be law-abiding, honest and trustworthy, and have no illegal acts and bad records (those who have bad credit records for more than three times will not be handled).

8. The projects invested by the established economic entities conform to the relevant national laws, regulations and policies, and have obtained the industrial and commercial business license and tax registration certificate.

9. Those who have enjoyed the preferential policies for small secured loans will no longer enjoy the preferential policies for small secured loans.

Extended data:

Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.

"Zero interest rate" is a loan contract reached between banks and individuals or organizations through mutual trust.

General international private commercial banks give interest-free loans,

Including consumption, shopping or further study and other bank loans.

A handling fee of about 1% will be charged, which is a bank income.

At least offset the administrative expenses, and then the bank will cooperate with the request to join credit cards or various members or open a trading account when the loan is interest-free. This is a wonderful way to expand customers.

Small secured loans have a clear division of labor, and the labor department accepts the application, then the guarantee institution confirms the guarantee, and finally the bank applies for the loan. "If entrepreneurs want to apply, they can consult the local labor department. At present, individuals pay interest first, then financial subsidies, or financial interest subsidies in advance. The relevant plan has not yet been determined, but the financial interest subsidies are affirmative. "