1. Applicants for interest-free loans must be at least 18 years old and not more than 45 years old, and be China citizens with full capacity for civil conduct. Foreigners are not allowed to apply. Second, there is a local permanent address, that 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.