A 50,000-yuan interest-free loan for poor households in the country can be repaid at any time. Because the state issues interest-free loans to help poor households get rid of poverty as soon as possible, if poor households have the ability to repay the loan of 50 thousand yuan after making money, they can repay it at any time. If the funds for poverty alleviation projects are insufficient, the loan can be extended for several years, but the loan interest will be paid every year, but the interest will be borne by the state. So if you have the conditions, you can repay the loan of 50 thousand at any time.

Second, how long can the interest-free loan be approved?

Interest-free loans can be approved in about a month. As long as you meet the loan conditions, have a good credit record and no bad record, if you pass the examination, you will get a loan soon.

Three. How long does it take to apply for an interest-free loan for poverty alleviation?

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 (the real estate license of parents' names can also be used), the certificate of business place and the business license issued by the business license of related industries, indicating that

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 the liquidity equipment and franchise chain required by lenders for normal production and business activities.

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 investments such as equity.

5. loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, deposit certificate pledge, etc., and provide their own credit status, repayment ability, loan investment and other information as much as possible in order to obtain loans smoothly.

6. Good reputation,

7. The project conforms to the national industrial policy 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 it is post-financial subsidy or financial interest payment 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.

Four, how long does it take to apply for a wholesale loan for poverty alleviation interest-free loans?

I. Purpose of application

Special loans for precision poverty alleviation can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.

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 between 18 and 60 years old, with a fixed residence and full capacity for civil conduct;

2. Hold valid identity documents, have repayment ability, and have no bad credit record;

3, engaged in production and business activities in line with national laws and regulations and industrial policies;

4. Have the willingness to lend and the ability to develop independently;

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;

Consult your local bank for details!