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. Interest-free loans are supported by the state, and borrowers do not need to pay interest, so the application threshold is higher. The common ones are college students' student loans and college students' entrepreneurial loans. In addition, although interest-free loans are good, you still need to choose the right loan method according to your own situation. Three-year interest-free personal business loans need to meet certain conditions: 1, 18 to 45 years old, China citizens with full civil capacity; 2. Proof of fixed residence and business premises. The proof of fixed residence can be a real estate license (the real estate license of parents' names can also be used). 3. Proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. 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. 5. loan guarantee. 6. Good reputation and no bad records. 7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Legal basis: Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide true information about the business activities and financial status related to the loan according to the requirements of the lender. Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.

Second, the interest-free loan policy?

Interest-free loan policy

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.

3. Are there any interest-free loans for getting rich?

Some people rely on local banks.

4. What are the conditions for personal interest-free loans? What materials are needed?

(a) the basic conditions for individuals to apply for interest-free loans:

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

2. Have permanent residence and fixed residence in this city;

3. Have the ability to repay interest-free loans on schedule and provide guarantors;

4. Good reputation and no bad records;

5. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits.

(two) the basic conditions for enterprises to apply for interest-free loans in the name of enterprises:

1, approved and registered by the administrative department for industry and commerce, and passed the annual inspection;

2. Necessary organizational structure, management system and financial management system;

3. The enterprise and its operators have a good reputation, have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit records, and can provide guarantors;

4. The project conforms to the national industrial policy and regional economic development policy, and has good economic and social benefits.

Instructions to applicants

1. Young entrepreneurs log on to the website of the Foundation to learn about the policies and application process of youth entrepreneurship loans; You can also make telephone consultation through the consultation telephone published on the website.

2. If you are a member of the Association for the Promotion of Integrity, you can download the application form directly and enter the application procedure; Those who do not have the membership of the Association for the Promotion of Integrity should apply to join the Association for the Promotion of Integrity before entering the application procedure;

3. The applicant downloads and fills in the "Tianjin Youth Entrepreneurship and Employment Application Form" online;

4, the applicant's conditions and materials to be submitted.

(1) The applicant requires:

(1) with permanent residence in this city, aged 18 to 45 years old;

② No criminal record;

(3) graduated from a national institution of higher learning;

(4) Good bank credit; (The applicant and guarantor bring their ID cards to the People's Bank of Jiefang North Road to print the Personal Credit Report.)

(2) Materials to be submitted by the applicant: (The copy must be A4 paper and clear)

① Two original and photocopy ID cards;

(2) the original and two copies of the household registration book;

③ Two 1 inch bareheaded color photos;

(4) The original and two copies of the lease contract of the premises or the payment receipt of the booth;

⑤ Business license, tax registration certificate, original and photocopy of financial and accounting statements.

5. The conditions of the guarantor and the materials to be submitted.

(1) Guarantor conditions:

(1) with permanent residence in this city, aged 22 to 60;

② No criminal record;

(3) It has a legal and stable source of income and sufficient compensation capacity;

(4) Good bank credit;

(2) Materials to be submitted by the guarantor: (copy is A4 paper, clear)

① Two original and photocopy ID cards;

(2) the original and two copies of the household registration book;

③ Two 1 inch bareheaded color photos;

(4) a copy of the income certificate issued by my work unit.

6. If the applicant and guarantor meet the above conditions and prepare relevant materials, they should make an appointment with the district/county youth league committee or the university youth league committee by telephone for on-site confirmation.