Student loans, entrepreneurial loans and agricultural loans for specific groups launched by the government or banks; Another possibility is financial fraud. To attract borrowers through interest-free loans, you need to pay a fee before you can get a loan. In fact, the loan company does not exist at all. Finally, the borrower could not get the loan and lost money. Therefore, the application for interest-free loans must go through formal channels to avoid being deceived.

1) There are interest-free loans. Government student loans, commercial loans and agricultural loans are all interest-free loans, but these loans are for people, and only qualified people can apply.

2) Banks or other financial institutions may offer zero-interest loans from time to time, but the conditions are very strict, and those who are rejected must account for the vast majority.

3) The most common is the interest-free car loan. In order to promote sales, some dealers will offer zero-interest loans to buy cars. Although there is no interest, they need to pay various fees and management fees, and collect relevant fees in disguise to profit from it.

Note: if you need a loan urgently, don't trust an interest-free loan easily because you are greedy and cheap, in case you are cheated. It is recommended to choose a bank or a formal and large-scale institutional loan when lending.

1. Definition of interest: refers to the means by which the lending institution controls risks, and generally does not exempt the borrower from interest. Those institutions that claim to be interest-free loans actually pass on the interest, and the hidden fees and management fees may be.

2. Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.

3. It is recommended to apply for loans through formal channels, and generally choose banks or large institutions. Taking the Agricultural Bank of China as an example, the basic conditions for applying for a loan are:

At least 18 years old and generally not more than 60 years old, with China nationality and full capacity for civil conduct; Hold legal and valid identity documents.

We are e-banking customers and hold the security authentication tools issued by our bank. Credit status is good. There is no outstanding amount of NetJet loan and no outstanding balance of NetJet loan. Stable income and the ability to repay on schedule.

7) The purpose of the loan is reasonable and clear.