1. You must be a citizen of China. Applicants for personal interest-free loans must be at least 18 years old and cannot be over 45 years old. They are China citizens with full capacity for civil conduct. Foreigners are not allowed to apply.

2. Have a stable address and a local permanent address, that is, have a fixed residence and a local hukou. In other words, if the applicant wants to apply for an interest-free loan, he needs to apply at the place where the account is located.

3. Good credit information. Applicants for interest-free loans have good credit and repayment ability, stable work and income, and no bad credit record. Interest-free loans are different from other loans and need to provide guarantees and guarantors.

4. The purpose of the loan, which is the key to the interest-free loan conditions. If the loan is used for project construction or individual business, then the project is feasible, which is conducive to the sound development of social economy and has good social and economic benefits.