1 Conditions for applying for interest-free bank loans

2./kloc-China citizens aged 0/8 to 45 with full capacity for civil conduct;

3. Proof of fixed residence and business premises. The certificate of fixed residence can be a real estate license (the real estate license of parents' names can also be used), and the certificate of business premises must hold a business license issued by the administrative department for industry and commerce and a business license of related industries.

4. 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 or not.

5. Settle the account. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank.

6. Loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc.

7, good reputation, no bad records.

8. 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.

Finally, I would like to remind you that the conditions of interest-free loans vary from bank to bank, but the above items need to be met, and then there will be more procedures, so be sure to prepare complete information before lending, so as not to waste time running back and forth.

2. What is an interest-free loan for serious illness?

Legal analysis:

There is no interest-free loan, but you can apply for assistance. The application process for serious illness assistance is as follows: 1. Fill in the examination and approval form for serious illness relief; 2. Apply for medical assistance for serious illness; 3. Submit hospitalization invoices, discharge summary and other materials; 4, in line with the conditions, the issuance of relief funds.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in their old age.

Twentieth insurance, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with the standard of treatment.

Twenty-eighth in line with the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards, as well as emergency and rescue medical expenses, in accordance with state regulations.

Three. What is an interest-free loan?

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.

interest rate

"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.

process

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. Whether individuals pay interest first, then financial subsidies, or finance pays interest in advance, the relevant plan has not yet been determined, but the financial discount is affirmative. "