How to get an interest-free loan?
1, operating loans, the government subsidized loans are mainly to help small and medium enterprises to improve their operating conditions, including renovation and purchase of equipment, as well as to assist small and medium enterprises due to abnormal, unpredictable or force majeure factors, especially natural disasters and epidemics resulting in economic and financial difficulties.
2, rural microfinance, small credit loans in principle, within 30,000 yuan, generally no more than 50,000 yuan; mortgages, pledges and guarantees (including joint guarantees) loan amount depending on the actual risk profile of the borrower, can be modestly increased on the basis of the credit loan amount. The loan period is generally set within three years, the longest generally does not exceed five years.
3, science and technology-based project loans, subsidized loans is precisely thanks to the Ministry of Science and Technology in order to incentivize small and medium-sized technological innovation, and the establishment of science and technology-based small and medium-sized technological innovation fund.
What are the conditions for applying for a bank interest-free loan?
1, age 18 to 45 years old, with full capacity for civil behavior of Chinese citizens;
2, have a fixed residence and proof of business premises. Proof of fixed abode can be a real estate certificate (parents name of the real estate certificate can also be), proof of business premises should hold the business license issued by the administrative authorities for industry and commerce and business permits in related industries, indicating that are engaged in normal production and business activities.
3, proof of funds. The loan applicant's investment program requires that there has been a certain amount of their own funds. This is an important condition for banks to measure whether to borrow, because the amount of business loan requirements generally up to a maximum of no more than the lender's normal production and business activities required working capital, as well as the purchase (installation or repair) of small equipment and franchising chain of 70% of the total amount of funds required.
4, settlement account. The loan applicant must open a settlement account in the bank where the loan is made, and the business income should be settled by the bank. And the use of the loan is in line with the relevant national laws and the Bank's credit policy, and is not allowed to be used for other speculative investment projects such as equity interest-based.
5. Loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgages, certificates of deposit pledge and third-party guarantees in three forms, in addition to as much as possible to provide some of their own credit status, repayment ability and loan investment information to the bank, which will increase the integrity of the loan, in order to facilitate the smooth obtaining of loans.
If you want to apply for an interest-free loan, you have to pay attention to the conditions of the application, if you meet the conditions, you can apply for and handle, but also pay attention to the way of handling, the above is about how to apply for an interest-free loan and the bank interest-free loan application conditions which are related to the introduction of the people to apply for a loan, you have to pay attention to the specific way of handling.