1. reaching the age standard
applicants need to be within the legal age of the country, usually 18-6 years old, and have full capacity for civil conduct.
2. Good credit
There is no serious negative information such as bad debts, write-off and payment suspension in the personal credit report. At present, there is no overdue or guarantor compensation, and it is not an enforced person who has lost his trust.
Small and micro enterprises have no credit records of serious violations of laws and regulations, such as wage arrears, non-payment or non-payment of social insurance premiums, and tax arrears.
3. Suitable targets for interest-free loans
For example, unemployed people, people with employment difficulties, college graduates, migrant workers returning home to start businesses, demobilized (demobilized) soldiers, poverty-stricken people with files and cards, etc., especially women in these groups, are the key targets.
4. Have certain solvency
For example, you can provide certain business performance certificates or provide certain mortgage guarantees, which can be credit, mortgage, pledge, guarantee, etc.
5. The purpose of the loan is clear and compliant.
The interest-free loan for starting a business shall be used for the start-up funds and the funds needed for business operation of the borrower, and shall not be lent to others for use, or used for purchasing securities such as stocks and futures, or engaging in equity investment, or used in violation of relevant national laws and regulations.
6. Having a fixed residence and business premises in the local area
Applicants with local hukou should provide household registration books, and non-local hukou should provide valid residence permits, as well as business licenses or business licenses and industry access permits issued by relevant departments.
7. Entrepreneurial or operating industries meet the requirements
For example, industries such as planting, breeding, animal husbandry, fishery, textile processing, agricultural and sideline products processing, rural education, rural construction, medical care and scientific research are easy to obtain interest-free loans, but industries restricted by the state such as construction, entertainment, advertising, sauna, massage and Internet cafes may not be able to apply for interest-free loans.
8. The loan amount and term meet the interest-free requirements
Usually, the maximum amount of personal interest-free loans is no more than 1, yuan; The maximum amount of interest-free loans for individual industrial and commercial households with continuous operation for more than 2 years and strong repayment ability can be increased to 2, yuan; According to the number of unemployed people employed by labor-intensive enterprises, the maximum is usually no more than 2 million, and the maximum term of interest-free loans is no more than 2 years, depending on the actual situation.
if you are not sure about your personal credit status, you can search for "balloon search" and click "query", and enter information to get the credit data of 1 banks. However, it should be noted that with the establishment of the 1-bank credit report, the overdue situation of personal online loans will inevitably affect the credit record, so be sure to think twice before lending.
Extended information:
What are the conditions for an interest-free mortgage loan?
Loans to buy a house usually have interest, and it is usually difficult to obtain interest-free loans for houses.
After all, buying a house requires hundreds of thousands of dollars, and banks often don't directly provide funds without asking for any interest.
However, various localities generally provide some preferential policies for special groups such as laid-off workers, the disabled and farmers, including interest-free loans.
If you are such a group, you can try to prepare relevant supporting documents to apply for interest-free loans.
As long as you meet the loan conditions proposed by the bank, have good credit, have the ability to repay on time, and provide sufficient information, you will have the opportunity to do it.
For example, when some farmers build houses, they get interest-free loans through the preferential policies of the government.
if ordinary people can't get interest-free housing loans, they can also compare the mortgage interest rates offered by several banks, and then choose one of the banks with favorable interest rates to handle the mortgage.
If you have paid the housing provident fund, you can directly apply for a housing provident fund loan, which is usually lower than the commercial loan interest rate.