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Why is an interest-free loan a two-way contract?
Interest-free loans are bilateral legal acts, and loan contracts are bilateral contracts.

a loan contract is a contract in which the borrower borrows money from the lender, returns the loan at maturity and pays interest. The lender has the obligation to provide the loan as agreed, and the borrower has the obligation to use the loan as agreed, and repay the loan and pay interest on schedule.

interestfreeloan 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 free of charge by banks or paid by the government or corresponding institutions under agreed conditions.