The three-year interest-free loan for small and micro enterprises means that the borrower applies for a loan from the bank with the property legally owned by himself or a third party recognized by the bank as collateral, and can provide the corresponding repayment voucher for purchasing large consumer goods, which has met the needs of the borrower. The advantages of this kind of loan are: high loan amount, long loan life and flexible prepayment.

Legal basis: Article 10 of the Measures for the Administration of Enterprise Loans, micro-enterprise customers meet the following basic conditions:

(1) Having a fixed business place, obtaining a legal business license and relevant materials, and the projects initiated have passed the examination of relevant government departments and are listed as "supporting micro-enterprises";

(2) The legal representative holds a valid identity certificate or a valid power of attorney;

(3) It is registered and operated within the jurisdiction of the lender, and the business projects it is engaged in must comply with the relevant laws, regulations and policies of the state, with sustainability, good expected income and repayment ability;

(4) The credit records of the enterprise and its investors are good, and there is no record of malicious evasion of debts or malicious overdraft of credit cards, and there is no bad record of black gambling and drug-related;

(5) Other materials required by the lender.

Interim Measures for the Administration of Loans to Micro-enterprises Article 11 The legal representative (partner) or client of micro-enterprises shall meet the following basic requirements:

(1) The borrower is at least 18 years old, holds valid identity documents and has full capacity for civil conduct;

(2) Having a fixed business place, obtaining a legal business license and relevant materials, and the projects founded have passed the examination of relevant government departments and are listed as the legal representatives or partners of "supporting micro-enterprises";

(3) The purpose of the loan is legal and compliant, and it is used for the production and operation of micro enterprises;

(4) The borrower's credit record is good, and there is no malicious evasion of all kinds of bank debt records and credit card malicious overdraft records, and there is no bad record involving black gambling and drugs;

(5) Other materials required by the lender.