Does the bank have an interest-free loan?

Is there really an interest-free loan?

When people need to buy things beyond their financial resources or do something, they may need loans. As we all know, loans have interest, so are there any loans that don't need interest? Is there really an interest-free loan? What kinds of interest-free loans are there?

Interest-free loans do exist, but not all loans can be interest-free loans. There are three common types of interest-free loans:

Class I student loans (excluding commercial student loans)

National student loans or student loans do not bear interest at the place where the borrower applies for loans. The interest generated by it is subsidized by the state, and it is not calculated according to the benchmark expected annualized interest rate until September of the borrower's graduation year.

Applying for a national student loan or a student-origin student loan can meet three conditions: 1, family poverty, and proof of family poverty; 2. There are co-payers; 3. Have an efficient admission notice. You can apply for an interest-free loan if you meet the above three conditions.

The second kind of risk loan

Most venture loan applications follow local policies. Venture loans are not all interest-free, and most of them belong to discount interest. If the local interest is posted in full, the entrepreneurial loan applied by the borrower is an interest-free loan. When applying for a business start-up loan, the borrower is required to have certain business start-up funds, suitable business start-up projects and meet local regulations, and at the same time, all the procedures required for applying for a business start-up loan are required.

The third kind of interest-free loan to buy a car (auto finance company loan)

Auto finance is being regarded by auto companies as a magic weapon to save the depressed auto market. Some auto finance companies even buy cars with zero down payment and interest-free loans, and some auto companies without finance companies also look for banks to cooperate with various preferential loan businesses. The trend of buying cars with zero down payment and interest-free loans continues to be hot. However, if you enjoy a zero down payment interest-free loan to buy a car, the car buyer usually does not enjoy the discount of the dealer's car price.

Borrowers need special attention. The interest-free loans claimed by some institutions may be deceptive. If the borrower is required to pay any fees in advance before applying for a loan, please don't believe it!

Does the bank have an interest-free loan?

Yes

Basic conditions for applying for interest-free loans:

Proof of identity and business premises: the loan applicant must have legal and valid identity certificate, proof of legal residence at the place where the loan bank is located, and a fixed residence or business premises. 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.

Proof of funds: the loan applicant's investment projects require him to have certain 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.

Settlement account: the loan applicant must open a settlement account in the bank where the loan is made, 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.

Loan guarantee: loan applicants need to provide certain guarantees, including real estate mortgage, deposit certificate pledge, third-party guarantee, etc. In addition, they should provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credit integrity of loans and facilitate the smooth acquisition of loans.

"Zero interest rate" of interest-free loans is a loan contract reached between banks and individuals or organizations through mutual trust.

Loan target:

General international private commercial banks give interest-free loans.

Including consumer wedding or bank loans such as shopping or further education.

A handling fee of about 1% will be charged, which is a bank income.

At least offset the administrative expenses, and then the bank will cooperate with the request to add credit cards or wedding photography or various members or open trading accounts when the loan is interest-free. This is a wonderful way to expand customers. Some or many future trading opportunities, and even they may be rewarded for expanding their achievements in the competition.

Small secured loans have a clear division of labor, and the labor department accepts the application, then the guarantee institution confirms the guarantee, and finally the bank applies for the loan. "If entrepreneurs want to apply, they can consult the local labor department. At present, individuals pay interest first, then financial subsidies, or financial interest subsidies in advance. The relevant plan has not yet been determined, but the financial interest subsidies are affirmative. "

Does the country have a policy of interest-free loans?

Yes, the national interest-free loan policy, in accordance with the provisions of the Notice, has the following provisions for applying for small secured loans:

The maximum amount of small secured loans shall not exceed 50,000 yuan. Only 20 thousand yuan is allowed to hold the "re-employment concession card" and obtain the entrepreneurship training certificate or personal credit certificate issued by the credit cooperative district.

The principal of the small secured loan shall be repaid in installments, that is, equal monthly repayment in the second year; The interest on small secured loans is not charged to the borrower, and shall be specifically declared by the undertaking financial institution and audited by the guarantee company, and shall be allocated by the municipal finance quarterly.

National interest-free loan application conditions:

1, laid-off workers in cities and towns (holding the Re-employment Concession Certificate or Unemployment Certificate issued by the labor and social security department);

2. Unemployed demobilized soldiers in cities and towns (valid retirement certificate should be provided);

3 registered unemployed people in cities and towns (holding unemployment certificates);

4. College graduates who have not been recommended for employment for more than half a year and require employment (submit the "Graduation Certificate" of full-time ordinary colleges and universities and the "Employment Registration Certificate for College Graduates" issued by the competent department of college graduates).

5. The loan object must be a China citizen who has a fixed residence in Sanming City and a fixed residence in a local town and has full capacity for civil conduct. 6, the loan object must be within the legal working age, healthy, honest and trustworthy, with entrepreneurial will, with certain labor skills.

7. Be law-abiding, honest and trustworthy, and have no illegal acts and bad records (those who have bad credit records for more than three times will not be handled).

8. The projects invested by the established economic entities conform to the relevant national laws, regulations and policies, and have obtained the industrial and commercial business license and tax registration certificate.

9. Those who have enjoyed the preferential policies for small secured loans will no longer enjoy the preferential policies for small secured loans.