Under normal circumstances, if it is interest-free for two years, this situation is generally that manufacturers go to finance, and banks will not have interest, so it depends on the policies of manufacturers.

Second, don't small and micro enterprises need collateral and guarantor for interest-free loans now? What are the procedures for borrowing 65438+100,000 for the interest-free loan that has been repaid in two years?

Hello, my company, you can use your credit, income certificate, financial certificate and other information to get a loan from the bank without a guarantor. Loan to the ideal amount. You can also consider using money as a pledge, but it is simpler to review the information and faster to approve it. I hope this answer can help you.

3. What conditions do enterprises need to meet when applying for interest-free loans?

The conditions for applying for an interest-free loan are as follows:

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.

Third, the applicant of interest-free loan has good credit and repayment ability, stable job and income, and no bad credit record. Interest-free loans are different from other loans and need to provide guarantees and guarantors.

Fourth, 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.

Precautions:

Before applying for personal interest-free loans, borrowers need to consult local lending institutions in advance, and then make preparations for applying for loans in advance according to their own actual conditions.