Studying abroad is generally not allowed to apply for interest-free loans. Study abroad loans belong to commercial education student loans, and users need to pay certain loan interest when applying for study abroad loans, while some national student loans belong to financial discount loans. Therefore, student loans can apply for interest-free loans, and users who apply for studying abroad must repay the loan principal and interest on time after the application is successful. Although you can't apply for an interest-free loan for studying abroad, the loan interest rate is the same as that stipulated by the People's Bank of China, so the loan interest rate for studying abroad is not high.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC).

The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

What application materials do you need for a loan?

1. The borrower's ID card or other valid residence certificate, and the married person must also submit personal marital status certificate;

2. The loan applicant fills in the Application Form for Commercial Housing Loan;

3. down payment voucher;

4. Contracts or agreements for the purchase of shops;

5 proof of the borrower's family property and income;

6. The identity certificate of the borrower;

7. Other information required by the bank.