Legal analysis: 1, age 18 to 45 years old, China citizen with full capacity for civil conduct; 2. Have a permanent residence in this city and a fixed residence; 3. 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.

Legal basis: Article 27 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases. After the principal and interest of the previous loan are settled, both borrowers and lenders will include the interest in the latter loan principal and reissue the creditor's rights certificate. If the previous interest rate does not exceed four times the quoted interest rate of the one-year loan market when the contract is established, the amount stated in the re-issued creditor's rights certificate can be confirmed as the future loan principal. The excess interest shall not be recognized as the future loan principal.

According to the calculation in the preceding paragraph, if the sum of the principal and interest that the borrower should pay after the expiration of the loan term exceeds the sum of the interest of the whole loan term based on the initial loan principal and calculated according to the quoted interest rate of the one-year loan market at the time of the establishment of the contract, the people's court will not support it.