Credit cooperatives and commercial banks have no interest-free loans. Interest-free loans are the saying that ordinary people enjoy government subsidized loans. In order to pay interest, they can apply for subsidies from the government with the interest receipts collected by credit cooperatives. There is an interest-free loan of 50,000 yuan per person in rural areas.

Second, the application method

1, poor households apply for direct loans from poor households.

2. Poor households apply for loans from poor households, and the poor households hand over the money to large households (enterprises) and sign dividend agreements with large households (enterprises).

3. Poor households apply for loans from large households (enterprises), but large households (enterprises) must sign agreements with poor households to promote development or share dividends.

Third, the application conditions

1, aged above 18 (inclusive), the sum of age and loan years when applying for a loan is not more than 65 years (inclusive), he has a fixed residence or business premises in the countryside, is in good health, has full capacity for civil conduct and labor, and holds valid identity documents.

2. According to the Administrative Measures of Agricultural Bank of China on Credit Rating of Personal Loans for Agriculture, Countryside and Farmers, the credit rating of customers is average or above.

3 stable sources of income, with the ability to repay the principal and interest on schedule.

4. The production and operation activities are legal and compliant, in line with the national industrial, industrial and environmental policies, and the loan is used legally.

5. Good conduct, no overdue loans when applying for loans (except for overdue loans caused by major natural disasters or policy reasons determined by the Head Office or tier-one branches).

5. Rich people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (must be poor households with established files) to increase their income and get rid of poverty;

6. The lender shall sign an agreement with poor households, village committees, town governments and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of the loan;

Four, how to write the application for poverty alleviation loans?

Banks that handle student loans have fixed application forms and need to provide relevant information according to the requirements of banks. If it is a national student loan, you can go directly to the school and ask the counselor about it. If it is a commercial student loan, you need to go to the bank to handle it.