1. Three-year interest-free loan policy

Three-year interest-free loan policy:

National

1. Lay-offs and unemployment in urban areas Personnel (holding a "Reemployment Discount Certificate" or "Unemployment Certificate" issued by the labor and social security department);

2. Demobilized and demobilized urban veterans who have not yet achieved employment (valid retirement certificates should be provided

4. College graduates who have been recommended for employment more than half a year after graduation and request employment (submit the "College Graduate Employment Registration Certificate" issued by the full-time general education department) 》).

5. The loan applicant must be a Chinese citizen who has a fixed residence in the urban area of ??Sanming City, has a permanent residence in a local town, and has full capacity for civil conduct. He must be within the legal working age and have a physical occupation. Willingness and certain labor skills.

7. Comply with laws and regulations, be honest and trustworthy, and have no illegal behavior or bad records (those with bad credit records for more than three times will not be processed).

8. The established economic laws, regulations and policies have not been established.

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

Legal basis:

"2020 National Interest-free Entrepreneurship Loan Policy":

1. National Interest-free Entrepreneurship Loan Application Conditions: No word of mouth, Registered unemployed persons, military retirees, landless farmers, disabled persons, military family members, migrant workers who have returned home to serve as servants, college students (i.e. graduates of ordinary colleges and universities within 5 years of graduation and residents who have registered residence) who are honest and trustworthy, have the desire to start a business and have the conditions to start a business. Requirements) and other self-employed persons, and the units founded are small and micro enterprises (including farmers' professional cooperatives) can apply. If you have a non-local registered permanent residence and have lived in your place of permanent residence for more than 6 consecutive months and participated in social insurance in the local town, you can enjoy the guarantee of starting a business if you register for employment and unemployment at your place of permanent residence as required and obtain an "Employment and Entrepreneurship Certificate" Loan support policies.

2. Materials required for national interest-free business loans

1. Recommendations for small-amount guaranteed loans

2. Identity cards and household registers of both spouses ( One page for husband and wife, one page for husband and wife), marriage certificate (if married, provide marriage certificate, if divorced, provide divorce certificate and divorce agreement)

Originals and copies of the above information are required.

3. Business license (copy), proof of business location (house certificate or lease agreement), original and copy of laid-off unemployment certificate

4. Proof of residence (own house certificate or rented house) Agreement) original and copy

5. Proof of income of spouse

6. Bank of both spouses and the company operating the company

Interest-free loan policy for two to three years< /p>

Three-year interest-free loan policy: Application conditions for national interest-free loans 1. Laid-off and unemployed people in urban areas (holding a "Reemployment Discount Certificate" or "Unemployment Certificate" issued by the labor and social security department); 2. Demobilized urban veterans who have not yet achieved employment (valid retirement certificates should be provided); 3. Urban registered unemployed persons (holding an "Unemployment Certificate"); 4. College graduates who have been recommended for employment more than six months after graduation and request employment (submit "Graduation Certificate" from a full-time general college and "Employment Registration Certificate for College Graduates" issued by the department in charge of college graduates). 5. Loan recipients must be Chinese citizens with fixed residences in the urban area of ??Sanming City, local permanent residence in cities and towns, and full capacity for civil conduct. 6. The loan recipient must be within the legal working age, be in good health, be honest and trustworthy, have the will to start a business, and possess certain labor skills. 7. Comply with laws and regulations, be honest and trustworthy, and have no illegal behavior or bad records (those with bad credit records more than three times will not be processed). 8. The investment projects of the established economic entities must comply with relevant national laws, regulations and policies and have obtained industrial and commercial business licenses and tax registration certificates. 9. Those who have already enjoyed the preferential policies for small-amount secured loans will no longer enjoy the preferential policies for small-amount secured loans.

Legal basis: "2020 National Interest-free Entrepreneurship Loan Policy": 1. National Interest-free Entrepreneurship Loan Application Conditions: Registered unemployed persons who are no less than 16 years old, have a household registration in this city, are honest and trustworthy, have the desire to start a business, and have the conditions to start a business, Self-employed individuals such as retired military personnel, landless farmers, disabled people, family members of the military, returning migrant workers, college students (i.e. graduates of ordinary colleges and universities within 5 years of graduation and current college students of colleges and universities in Weiwei, no household registration requirements), the founding units All small and micro enterprises (including farmers’ professional cooperatives) can apply. For those with out-of-town registered permanent residence, urban residents in our city who have lived in their place of permanent residence for more than 6 consecutive months and participated in social insurance locally for more than 6 months must register for employment and unemployment at their place of permanent residence in accordance with regulations, and obtain an "Employment and Entrepreneurship Certificate" , can enjoy the same entrepreneurial guaranteed loan support policies as those registered in this city. 2. Materials required for national interest-free entrepreneurial loans: 1. Small-amount secured loan recommendation certificate (issued by the Bureau of Human Resources and Social Security) 2. Identity cards of both spouses, household registration book (home page, index page, single page for head of household, single page for husband and wife) Page, single page for husband and wife), marriage certificate (if married, provide marriage certificate, if divorced, provide divorce certificate, divorce agreement). The above information must provide originals and copies. 3. Business license (copy), proof of business location (housing certificate or rental agreement), original and copy of laid-off unemployment certificate 4. Original and copy of proof of residence (own house certificate or rental agreement) 5. Spouse’s income certificate 6. Couple Bank statements of both parties and the operating company (one year)

3. What should I do if I buy a car and want to borrow it for three years without interest for two years?

The customer wants to take a loan to buy a car with a term of three years, and if the automobile consumer finance company provides a two-year interest-free event, the customer will not be able to enjoy the interest-free discount, and interest will be charged during the three-year period. There is no situation where the loan is for three years, then the first two years are interest-free, and then interest is paid in the last year.

In this regard, customers can only enjoy the interest-free discount if they choose to borrow for two years. If the customer feels that the two-year period is too short, they can only choose a three-year loan. Of course, if you have sufficient funds later, you can also choose to repay in advance, and you can also reduce a certain amount of interest.

4. Which cars can be loaned interest-free for 3 years

Bank of China can apply for personal consumption car loan business, and the borrower needs to meet the following conditions:

1 , a natural person with full capacity for civil conduct;

2. Valid proof of personal identity;

3. Having the legal ability to repay the principal and interest of the loan;

4 , personal credit is good;

5. Hold a car purchase contract, agreement or letter of intent to purchase a car recognized by the handling bank;

6. Provide mortgage/pledge recognized by the handling bank or have Individuals or units with sufficient repayment capacity provide a third-party irrevocable joint liability guarantee; or provide corresponding information that meets the customer access conditions of the "Interim Measures for the Administration of Personal Credit Revolving Loan Quotas of Bank of China";

7. Proof of ability to pay the first installment of the car purchase within the limits stipulated in these Measures;

8. Other conditions specified by the handling bank.

Because there are certain differences in various regions, you need to consult the local agency about the car model and interest-free requirements when applying for a loan.

If you have any questions, please continue to consult Bank of China’s online customer service. You are welcome to download Bank of China mobile banking or follow “Bank of China Micro Banking” to handle business.

Bank of China online customer service: /ZIM/

Mobile banking download: /boc15/loginPreLoan.html?locale=zh&v=20180518020405613

National student loan: /boc15/studentLoan.html?locale=zh&v=20180518020405613

Apply for a credit card online: /ebanking/online/201310/t20131024_2568172.html