Low-income households can apply for interest-free loans. Application method: 1. Poor households apply for direct loans to poor households. 2. Poor households apply for loans from poor households, and the poor households hand over the money to large households (enterprises) and sign dividend agreements with large households (enterprises). 3. Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends. In fact, rural low-income households can get loans. Generally speaking, as long as there is a legal and effective guarantee, a reasonable source of income and a legitimate purpose, you can borrow money. However, some low-income families may not be able to provide the guarantees that ordinary banks require lenders to provide. Therefore, it will be more difficult to apply, but now some banks have loans for special poverty alleviation projects. As long as government agencies issue certificates of their poverty situation and the use of funds, they can apply for corresponding low-interest poverty alleviation loans.

Legal analysis

Measures for the Examination and Approval of Minimum Living Security (Trial) Article 6 Non-agricultural registered permanent residence residents may apply for urban minimum living security. Agricultural registered permanent residence residents can apply for rural subsistence allowances. Cancel the division between agriculture and non-agricultural registered permanent residence. In principle, the applicant's domicile can be a town and live for a certain number of years, without contracted land, and not participating in the distribution of rural collective economic benefits. As a household registration condition for applying for urban subsistence allowances.