Conditions for bank interest-free loans:

China citizens aged 1 and 18;

2。 The certificate of fixed residence can be the real estate license (the name certificate of parents should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that they are engaged in normal production and business activities.

The applicant's investment projects require him to have certain funds of his own. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and operation, repair of small equipment and franchise chain operation.

4. Settlement account. The loan applicant must open a settlement account with the loan bank, and the use of operating income shall comply with the relevant laws of the state and the bank's credit policy, and shall not be used for equity investment projects.

5. loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should provide banks with information on their strength and loan investment as much as possible, which will increase loans.

6, good reputation, no bad records;

7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. If entrepreneurs want to apply, whether to pay interest first, then give financial subsidies, or pay interest in advance, the relevant plan has not yet been determined, but the financial concessions are certain.

Every bank has different conditions for interest-free loans, but the above items need to be met, and then there will be more procedures. Everyone must prepare all the information before lending money, so as not to waste time running back and forth.

2. What are the preferential policies for rural interest-free loans?

Interest-free loans are subsidized by the government, that is, the interest is paid by the government and the lender does not bear the interest. This is an agricultural support project, generally supporting rural aquaculture farmers. There are the following preferential policies:

1. The local credit cooperatives have established farmers' economic files. The so-called farmers' economic file is to establish a basic situation of economy, family and income for local farmers. After credit evaluation, credit loans are issued on the basis of credit, and no mortgage is required.

2. Under certain circumstances, farmers can apply for interest-free loans from rural credit cooperatives for production and life.

Although the country has unified regulations, each place has different implementation policies and different projects and financial support at different times. If you plan to apply for a loan, you can go to the local agricultural development department to ask about the specific preferential policies and application requirements.

4. The purpose of the applicant's loan is a project supported by the state. Secondly, the applicant has a good character and must have a credit guarantee. At the same time, it has good repayment ability.

Extended data

1. Interest-free loan is a form of financing in which the financial sector provides funds for the development of policy industries and the government finances bear all or part of the interest. Industrial households directly apply to agricultural development departments such as the Agricultural Development Office, and after approval, they can withdraw money from the financial department to operate.

2. If a guarantor is required in the loans issued, it is because the loan officers of the rural credit cooperatives want to better prevent and control risks, understand customers and collect loans more conveniently.

3. If the guarantor is in the field or not in the local area, it certainly does not meet the guarantee conditions. Just find someone to guarantee it.

4. If the borrower wants to go to the household alone, he needs an ID card and a marriage certificate (unmarried certificate, etc.). ) to prove marital status. Other information required by the lender from the payer. In fact, it can be issued without guarantee.