The interest-free loans generally issued by the Postal Savings Bank are policy loans, which are issued by banks designated by the government and subsidized by the government!

Second, some people say that it is true or false to borrow 400,000 to 500,000 interest-free loans for 20 years.

Conditions for bank interest-free loans:

1, age 18 to 45 years old, China citizen with full capacity for civil conduct;

2. Proof of fixed residence and business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.

3. Proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.

4. Settlement account. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.

5. loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly.

6, good reputation, no bad records;

7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, it has not been determined whether individuals pay interest first, then financial subsidies, or financial interest in advance, but the financial discount is certain.

Every bank has different conditions for interest-free loans, but the above items need to be met, and then there will be more procedures. Everyone must prepare all the information before lending money, so as not to waste time running back and forth.

3. Is it true that the postal interest-free loan is 400,000?

The interest-free loan of the Postal Savings Bank is true,

However, not everyone can apply, but a policy loan introduced by the government to encourage laid-off employment. Interest-free loans are not really interest-free, and interest is government subsidies. Postal interest-free loans are determined according to whether the local government has introduced interest-free loans.

Personally, it is not so easy to apply for an interest-free loan from the Postal Savings Bank, and the application procedures are relatively complicated. Maybe you have prepared a lot of information, but the interest-free loan has not been approved. Of course, you can consult the bank and find out before applying.

It is understood that many bank loans now need to be mortgaged. If there is no mortgage, the loan interest rate is relatively high. Of course, bank loans are more cost-effective than online loans. After all, interest rates are lower. If you are short of money, it is not recommended that you apply for online loans.

4. Who knows what procedures are needed for interest-free loans in the Postal Savings Bank? How much is it at most? How many years is it? Be specific. .

If you can't borrow that much, you can go to the local rural credit cooperative, and if someone guarantees it, you may be given 30 thousand or 40 thousand