It’s true.

It is true, but it is only for these three years. If it exceeds the limit, interest will be charged. The policies are different in each place. It is recommended that you consult more before proceeding.

In fact, commercial banks, rural credit cooperatives and other bank loans generally do not have upfront fees. At most, we need to prepare some photocopying material fees when providing materials. As for other fees, they are basically unreasonable.

As for loans that do not charge interest, that is, interest-free loans are indeed very good, but the principal still needs to be repaid according to one's ability.