The conditions for applying for an interest-free loan are as follows:
(a) the basic conditions for individuals to apply for interest-free loans:
1, age 18 to 45 years old, China citizen with full capacity for civil conduct;
2. Have permanent residence and fixed residence in this city;
3. Have the ability to repay interest-free loans on schedule and provide guarantors;
4. Good reputation and no bad records;
5. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits.
As long as you apply for a business loan, it is usually a local bank loan. 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 by the government 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 by the government. Once the application can be made, the borrower will not need to provide mortgage or guarantee.
College students' entrepreneurial countries provide loans of 30,000-70,000. Loan procedures: Article 15 If the borrower is an individual industrial and commercial household, he/she shall apply to the social security office where his/her household registration or business is located, fill in the Application Form and Letter of Recommendation for Small Guaranteed Loan for Self-employment in triplicate (one for the social security office, one for the handling bank and one for the guarantee institution), and provide the following documents: 1. The borrower's identity certificate. Including the original and photocopy of resident ID card, household registration book, re-employment concession card, university diploma, self-employment certificate for demobilized (retired) soldiers or rural labor transfer employment registration certificate;
Two, "entrepreneurship training certificate" or approved by the Beijing municipal labor and social security department of entrepreneurship training certificate and a copy of the entrepreneurial project plan or feasibility analysis report approved by the entrepreneurial training institutions;
3. The original and photocopy of the business license of individual industrial and commercial households; ?
Four. Personal commitment letter of small secured loan in credit union area; ?
5. Other information required by the handling bank and guarantee institution.