Take the diploma as a credit certificate, and you can get an interest-free loan of 5W for three years!

Two, personal business loans are interest-free for three years.

Legal analysis: three-year interest-free personal entrepreneurship loans need certain conditions;

1, age 18 to 45 years old, China citizen with full capacity for civil conduct 2. Proof of fixed residence and business premises. The proof of fixed residence can be a real estate license (the real estate license of parents' names can also be used).

3. Proof of funds. The loan applicant's investment project requires that he already has some self-owned funds.

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.

5. loan guarantee.

6. Good reputation and no bad records. 7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits.

Legal basis: Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide true information about the business activities and financial status related to the loan according to the requirements of the lender.

3. Interest-free conditions for Xiangyang Venture Loan of RMB 200,000?

The answer is as follows:

To apply for an interest-free loan to start a business in Xiangyang, you need to meet the following conditions:

1. At least 18 years old, with full capacity for civil conduct.

2. Personal credit is good, and there is no bad credit record and serious negative information on the credit report.

3 can provide proof of legal and stable residence where the loan bank is located, and it has a fixed residence or business premises. The business place may hold the business license issued by the administrative department for industry and commerce and the business license of related industries.

4. Entrepreneurial projects are in line with national policies and have certain market potential and development prospects.

5. Have certain self-owned funds and the ability to repay the loan principal and interest on schedule.

6. Open a settlement account with the loan bank, and the operating income will be settled by the bank.

Customers can also provide certain guarantees, or use their own assets as collateral, which is also helpful for loans. Graduate students who want to apply for interest-free loans to start businesses have to prepare diplomas and degree certificates. If you have not been employed for more than 6 months after graduation, you must also provide unemployment registration handled by the local labor and social security department.

Four, personal business loans are interest-free for three years.

Legal analysis:

Interest-free loans for individual entrepreneurship are mainly aimed at low-income groups, including college graduates, laid-off workers and veterans. If it fails to pass the examination in the human resources and social security departments, it cannot be applied. The term of interest-free loans for individual entrepreneurship is generally two years, during which interest is not paid. In addition, the loan applicant should have good credit and repayment ability, have a stable job and income, and the applicant should provide proof of loan use.

Legal basis:

Article 17 of the General Rules for Loans: The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person with civil capacity approved and registered by the administrative department for industry and commerce (or the competent authority).

Borrowers applying for loans should meet the following basic conditions, such as marketable products, profitable production and operation, and no misappropriation of credit:

1. repay the principal and interest on schedule and repay the due loan; If it is not paid off, it has been recognized by the lender.

Two, in addition to natural persons, do not need to go through the annual inspection procedures by the industrial and commercial departments.

Account.

Four, unless otherwise stipulated in the State Council, limited liability companies and joint stock limited companies accumulated foreign equity investment amount of 50%.

5. Borrower information.

Six, to apply for medium and long-term loans, the proportion of funds required by the new project enterprise as a legal person in the total investment shall not be lower than the proportion of investment project capital stipulated by the state.