Three-year interest-free loan policy:
country
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 urban unemployed demobilized soldiers (should provide effective retirement certificate)
3. Urban registered unemployment);
4. College graduates who have not been recommended for employment for more than half a year and require employment (submit the employment registration certificate for college graduates issued by the full-time general education department).
5. The loan must have a fixed residence in Sanming City and a fixed residence in a local town, and be a citizen of China with full capacity for civil conduct. He must be within the legal working age, physically willing and have 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 establishment of economic laws, regulations and policies and has been
9. Those who have enjoyed the preferential policies for small secured loans will no longer enjoy the preferential policies for small secured loans.
Legal basis:
National interest-free entrepreneurial loan policy in 2020;
1. Application conditions of national interest-free business start-up loan: registered unemployed people, ex-servicemen, landless peasants, disabled people, family members accompanying the army, returning migrant workers, college students who are honest and trustworthy, have entrepreneurial aspirations and have entrepreneurial conditions (that is, graduates from ordinary colleges and universities within five years after graduation) and those who start small and micro enterprises (including farmers' professional cooperatives) can apply. Non-local hukou, for the permanent population who has lived in the permanent residence for more than 6 months and participated in social insurance in 6 cities and towns locally, can enjoy the policy of supporting entrepreneurship guarantee loans if they register employment and unemployment and obtain employment and entrepreneurship certificates in the permanent residence.
Two, the national interest-free commercial loans need to prepare materials.
1. Small secured loan recommendation
2. Husband and wife's ID card, household registration book (single page for husband and wife, single page for husband and wife) and marriage certificate (marriage certificate for married, divorce certificate and divorce agreement for divorced).
The above information requires originals and copies.
3, business license (copy), proof of business premises (housing certificate or lease agreement) laid-off unemployment certificate and a copy of the original.
4. Original and photocopy of residence certificate (self-owned house certificate or rental agreement)
5. proof of spouse's income
6. Husband and wife and the bank that runs the company
Second, the three-year interest-free loan policy.
Three-year interest-free loan policy: national interest-free loan application conditions 1, laid-off workers in cities and towns (holding re-employment concession card or unemployment certificate issued by 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. Legal basis: national interest-free venture loan policy in 2020: 1. Conditions for applying for national interest-free business start-up loan: registered unemployed, ex-servicemen, land-expropriated farmers, disabled people, family members of the army, returning migrant workers, college students (that is, college graduates and college students living in within five years after graduation) have reached the age of 16, are honest and trustworthy, have entrepreneurial aspirations and conditions, and have no household registration. Foreign hukou, for those who have lived in the permanent residence for more than 6 months and participated in social insurance in the local area for more than 6 months, can register for employment and unemployment and obtain employment and entrepreneurship certificates in the permanent residence according to regulations, and can enjoy the same entrepreneurial guarantee loan support policy as those registered in this city. 2. Materials to be prepared for national interest-free venture loans: 1, letter of recommendation for small secured loans (issued by the Human Resources and Social Security Bureau) 2. Original and photocopy of husband and wife's ID card, household registration book (home page, index page, single page of husband and wife, single page of husband and wife) and marriage certificate (marriage certificate for married, divorce certificate and divorce agreement for divorced). 3. Original and photocopy of business license, proof of business premises (house certificate or lease agreement), 4. Original and photocopy of residence certificate (certificate of own house or lease agreement), 5. Proof of spouse's income, 6. Both husband and wife and operating company's bank flow (one year)
3. What should I do if I buy a car for two years and want to borrow money for three years?
If the customer wants to borrow money to buy a car for three years, and the auto consumption finance company provides interest-free activities for two years, then the customer will not enjoy interest-free concessions, and interest will be charged during the three years. No loan for three years, then interest-free for the first two years, and interest in the last year.
In this regard, customers can only enjoy interest-free concessions if they choose to borrow for two years. If the customer thinks that the two-year period is too short, he can only choose to borrow it for three years. Of course, if the funds are sufficient in the later period, you can also choose to repay in advance or reduce some interest.
4. Which cars can get 3-year interest-free loans?
Bank of China can apply for personal car loan business, and the borrower must meet the following conditions:
1, a natural person with full capacity for civil conduct;
2. Effective proof of personal identity;
3. Have the legal ability to repay the loan principal and interest;
4. Good personal credit;
5. Holding a car purchase contract, agreement or letter of intent approved by the handling bank;
6. Providing collateral (pledge) recognized by the handling bank or individuals or units with sufficient compensation capacity to provide irrevocable joint liability guarantee for third parties; Or provide corresponding materials that meet the customer access conditions of the Interim Measures for the Administration of Personal Credit Revolving Loan Quota of Bank of China;
7. Proof of the down payment ability of the car purchase limit stipulated in these Measures;
8. Other conditions stipulated by the handling bank.
Because there are some differences in different regions, when applying for a loan, please consult the local institutions about vehicle types and interest-free requirements.
If in doubt, please continue to consult the online customer service of Bank of China. Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business.
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