Legal analysis: There are generally two kinds of interest-free loans, namely, student-origin student loans and college students' entrepreneurial loans. The application conditions are as follows:
First, big
1. The borrower has a junior college degree or above and has a legal and valid identity certificate. 3. The borrower has certain venture capital and fixed business premises, and has four business licenses and relevant documents.
Second, the student loan:
1. The borrower is a full-time junior college with good credit. 3. The borrower confirms that the family income is not enough to pay for the students to complete their studies. 4. The borrower did not get other student loans in that year. 5. The borrower has China nationality.
Legal basis: code
Article 210 If the loan contract does not stipulate or clearly stipulate the payment of interest, it shall be deemed as non-payment.
Article 8 is legally binding. The parties shall perform their obligations as agreed, and shall not alter or terminate the contract without authorization.
"Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases", the people's court does not support the lender's claim to pay interest during the loan period.
The interest agreement between natural persons is not clear, and if the lender advocates paying interest, the people will not support it. Except for loans between natural persons, if both borrowers and borrowers claim interest from others, the people should combine the trading methods, trading habits and markets of people involved in private lending contracts.
Second, how to apply for an interest-free loan? What are the requirements?
There are two special conditions for interest-free loans in rural areas: first, loans must be used for entrepreneurship that meets policy conditions, such as aquaculture and vegetable greenhouses; Second, there are certain self-owned funds to ensure the smooth progress of the project after the loan. Others include general information such as age and credit history. If the subject wants to apply, he needs to bring the following materials: 1, and the relevant documents required for the loan, including the applicant's ID card, household registration book, marital status certificate, business license, individual business license, tax registration certificate, etc. If you are not clear about the requirements for documents, you can consult your local bank to avoid incomplete preparation. 2. Guarantee application form. If it is a third-party guarantee, it is also necessary to provide the bank with detailed information of the guarantor, including ID card, copy of household registration book, employment certificate, income certificate, guarantee letter, etc. After preparing the information, you can apply for a loan directly. The general process of handling interest-free loans in rural areas is as follows: 1. The applicant applies for an interest-free loan to the community where the account is located. 2 banks and guarantee institutions to review the applicant's information. 3. The guarantor and the guarantee institution sign a counter-guarantee contract. 4. The bank informs the applicant to sign the loan contract and agreement. 5. Banks issue loans.
Three. Conditions for applying for interest-free loans from banks
What are the specific conditions for applying for interest-free bank loans? What are the conditions for handling interest-free loans? If you still need to apply for an interest-free loan, you can refer to the following first ~
Bank interest-free loan type
The first interest-free loan is a student loan. Among the student-origin student loans, the national student loan and the student-origin student loan are interest-free. College students can apply for student loans as long as they have the same repayment, family poverty certificate and university admission notice.
Another interest-free loan is a risk loan. Venture loans are often subsidized when borrowers apply, because we usually call them interest-free. When applying for venture loans, different regions have different requirements. At the same time, venture loans are generally guaranteed. Once the application can be made, the borrower will no longer need to provide mortgage or guarantee.
What are the conditions for handling interest-free loans?
1. identification and business premises
The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place.
The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.
2. 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 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.
3. 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 investment projects such as equity.
4. Letter of loan guarantee
Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.
Conditions and requirements of interest-free loans for individual entrepreneurship
1. The applicant holds the legal preferential treatment certificate or unemployment certificate issued by the labor and social security department within the legal working age. If you are a retired soldier or a college graduate, you need to provide corresponding certification materials.
2. Registered in the industrial and commercial department, holding a business license or other employment certificate.
3. Apply for the loan of "Credit Union Area" and fill in the relevant letter of commitment.
4. Honesty and trustworthiness, no illegal behavior. Eligible applicants can apply to the local labor and social security bureau for a small interest-free loan. The specific process is as follows:
(1) The applicant consults the guarantee institution about the loan conditions and required procedures.
② Go through relevant formalities (such as unemployment certificate, business license or employment certificate) and submit a loan application to the guarantee institution.
(3) Those who meet the requirements can sign an Application for Small Guaranteed Loan and a Guaranteed Repayment Agreement with relevant institutions.
(4) Provide effective counter-guarantee, and applicants with special difficulties can apply for loans in the "credit union area".
(5) qualification examination. If the loan application is approved, you can go through the loan procedures at the handling bank with community recommendation materials, commitment letters and related procedures. After a few working days, the handling bank will issue loans.