Although the application process for interest-free loans is simple, when applying for interest-free loans, you still need to go through qualification examination. Because interest-free loans charge less interest, the bank audit is very strict. Not only does the applicant need to have a stable income, but also the applicant needs to have his own fixed assets. If the applicant does not have any valuable assets, it will be very difficult to successfully pass the bank's application, and even be rejected by the bank.