Criminal record refers to a person's record of past crimes or criminal acts. In our country's law, it generally refers to the file records of criminal records, which are generally kept in the public security department and belong to lifelong records. According to Article 286 of the Criminal Procedure Law of People's Republic of China (PRC), if a person was under 18 at the time of committing a crime and was sentenced to fixed-term imprisonment of not more than five years, the relevant criminal records shall be sealed. If the criminal record is sealed, it shall not be provided to any unit or individual, except for the need of judicial organs to handle cases or the relevant units to make inquiries in accordance with state regulations. Units that inquire according to law shall keep the sealed criminal records confidential. Seal it.

When a bank inquires about the records of the lender's personal credit information system, it can only inquire about personal basic identity information and credit transaction records, and cannot reflect the criminal record of the loan applicant. Banks cannot confirm whether the loan applicant has a criminal record when approving and issuing loans. Public security organs with this resource are not open to providing inquiry services to banks.

Generally speaking, as long as the loan applicant has collateral, a stable and legal source of income and can provide the latest bills and proof of marital status, he can apply for a loan in principle.

Meet the following conditions can apply for a loan:

1. To apply for a loan, you must be at least 18 years old and not over 45 years old. You are a citizen of China and have full capacity for civil conduct. Foreigners are not allowed to apply.

2. Stable residential address: there is a local permanent address, that is, there is a fixed residence and a local hukou. In other words, if the applicant wants to apply for an interest-free loan, he needs to apply at the place where the account is located.

3. Good credit record: the applicant for interest-free loan has good credit and repayment ability, stable work and income, and no bad credit record. Interest-free loans are different from other loans and need to provide guarantees and guarantors.

4. Clarify the purpose of the loan: If the loan is used for project construction or individual business, then the project is feasible, which is conducive to the sound development of social economy and has good social and economic benefits.