1, reaching the age limit.
Applicants should be within the legal age of the country, usually 18-60 years old, and have full capacity for civil conduct.
2. Good credit
There is no serious negative information such as bad debts, write-off and payment suspension in the personal credit report. At present, there is no overdue or guarantor compensation, and it does not belong to the untrustworthy executor.
Small and micro enterprises have no serious illegal credit records such as wage arrears, non-payment or underpayment of social insurance premiums, and tax arrears.
3. Meet the applicable targets of interest-free loans.
For example, unemployed people, people with employment difficulties, college graduates, migrant workers returning to their hometowns to start businesses, demobilized (retired) soldiers, and poor people who set up files and set up cards. , especially the women in these groups, are the key targets.
4. Have a certain solvency.
For example, you can provide a certain proof of business performance, or provide a certain mortgage guarantee, which can be credit, mortgage, pledge, guarantee and so on.
5. The loan purpose is clear and compliant.
Interest-free loans for business start-up shall be used for the borrower's start-up capital and the funds needed for business operation, and shall not be lent to others for use, or used for purchasing securities such as stocks and futures or engaging in equity investment, or used for purposes that violate relevant state laws and regulations.
6. Having a fixed residence and business premises in the local area.
Applicants with local hukou should provide household registration books, and non-local hukou should provide valid residence permits, as well as business licenses or business licenses and industry access certificates issued by relevant departments.
7. Entrepreneurial or operating industries meet the requirements.
For example, industries such as planting, breeding, animal husbandry, fishery, textile processing, agricultural and sideline products processing, rural education, rural construction, medical care and scientific research are easy to obtain interest-free loans, while industries restricted by the state such as construction, entertainment, advertising, sauna, massage and Internet cafes may not be able to apply for interest-free loans.
8. The loan amount and term meet the interest-free requirements.
Under normal circumstances, the maximum amount of personal interest-free loans is not higher than 654.38+10,000 yuan; The maximum amount of interest-free loans for individual industrial and commercial households with continuous operation for more than 2 years and strong repayment ability can be increased to 200,000 yuan; According to the number of unemployed people in labor-intensive enterprises, it usually does not exceed 2 million, and the interest-free loan period does not exceed 2 years, depending on the actual situation.
If you are not sure about your personal credit status, you can search "balloon search", click query, and enter information to get the credit data of 100 banks. However, it should be noted that with the establishment of the credit report of 100 banks, the overdue situation of personal online loans will inevitably affect the credit record, so we must think twice before you act.
Extended data:
What are the terms of an interest-free mortgage loan?
Loans to buy a house are generally interest-bearing, and it is usually difficult to obtain interest-free loans for houses.
After all, buying a house requires hundreds of thousands of funds, and banks often don't provide funds directly without any interest.
However, there are some preferential policies for laid-off workers, the disabled and farmers, including interest-free loans.
If it is such a group, you can try to prepare relevant supporting documents to apply for interest-free loans.
As long as you meet the loan conditions proposed by the bank, have good credit, have the ability to repay on time, and provide sufficient information, you will have the opportunity to do it.
For example, some farmers build houses and get interest-free loans through the government's preferential policies.
If ordinary people can't get interest-free housing loans, they can also compare the mortgage interest rates offered by several banks, and then choose one of the banks with preferential interest rates to handle the mortgage.
If you have paid the housing provident fund, you can directly apply for a housing provident fund loan, which is usually lower than the commercial loan interest rate.