The most basic condition is that you can't have any bad personal records, which is the basic condition for applying for any loan. Then there are some conditions, such as China citizens must have a fixed residence or permanent residence, that is, a valid residence certificate and a fixed business place. Secondly, it is also required that 18 years old or above, with unemployment certificate or discount card for starting a new business. This is the basic condition for interest-free loans. If you have other identities, such as retired soldiers or college graduates, you also need proof materials. Interest-free loans require the applicant to provide relevant proof of repayment ability, such as payroll or other relevant proof of capital flow.

Conditions for enterprises to apply for interest-free loans

Enterprises applying for interest-free loans also need to provide business licenses and relevant certificates of passing the annual inspection, as well as proof of their ability to repay debts. There is no bad credit record, and the guarantor is required to provide proof to obtain an interest-free loan. If the guarantor is a national civil servant or a teacher, doctor and other people with stable jobs, the greater the possibility of applying for an interest-free loan.