For many friends who have no experience in applying for housing loans, loans may be a very confusing thing. After all, the loan process involves many steps. If these steps are not clear, it will be inefficient in the process of applying for a loan. Now there is an interest-free loan on the market that is very popular. So, how to apply for an interest-free loan?

How to apply for an interest-free loan?

1. Business loans, government subsidized loans are mainly to help small and medium-sized enterprises improve their business conditions, including upgrading and purchasing equipment, and to provide assistance to small and medium-sized enterprises that are in economic and financial difficulties due to abnormal, unpredictable or force majeure factors, especially natural disasters and epidemics.

2. The amount of micro-credit loans in rural areas shall be controlled within 30,000 yuan in principle, generally not exceeding 50,000 yuan; The loan amount of mortgage, pledge and guarantee (including joint guarantee) can be appropriately increased on the basis of the credit loan amount according to the actual risk situation of the borrower. The loan term is generally set within 3 years, and the longest is generally not more than 5 years.

3. The loans for scientific and technological projects and discount loans benefit from the technological innovation fund for small and medium-sized scientific and technological enterprises established by the Ministry of Science and Technology to encourage technological innovation of small and medium-sized scientific and technological enterprises.

Second, how to apply for a national interest-free loan?

1, application conditions: college degree or above; Unemployed for more than 6 months after graduation and registered as unemployed in the local labor and social security department.

2. Loan term: The small-scale entrepreneurial loans provided by the state for college graduates are subsidized by the government, with a term of 1 ~ 2 years. After 2 years, they will not enjoy financial discount.

3. Loan method: The way for college graduates to start their own businesses is to guarantee and mortgage (pledge) loans.

4. Please consult the local labor and social security bureau for specific operation methods. In addition, there are other preferential policies for college students' entrepreneurship. For example, those who are engaged in self-employment will be exempted from administrative fees for industrial and commercial registration management within 1 year; Self-employed individuals and self-employed individuals can also trust their household registration files in the employment guidance service center for college graduates. Relevant departments should be consulted about the specific policies for college graduates to start their own businesses.

5. Application materials When applying for such loans, three points are more important:

First of all, the loan applicant must have a fixed residence or business premises.

Second, business license and business license, stable income and ability to repay principal and interest;

The third and most important point is that the projects invested by entrepreneurs already have their own funds.

Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank.

In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method. Amount Requirements The amount of the venture loan is generally required: the maximum amount shall not exceed 70% of the total amount of funds required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation; The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year; Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.

Third, how to apply for interest-free loans?

Interest-free loans are loans that are subsidized by national policies. The loan process is as follows:

1. Prepare relevant materials, such as unemployment certificate, business license or employment certificate, and submit them to banks or financial institutions.

2. After the bank or financial institution verifies that the data is correct, it signs the Application for Small Guaranteed Loan and the Guaranteed Repayment Agreement with the borrower.

3. If borrowers with special economic difficulties can apply for credit loans, then a credit loan contract should be signed.

4. Review the loan qualification, and wait for the bank to handle the loan formalities with relevant information and commitment letter.

After a few working days, the bank will issue the loan.