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Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.
Interest rate:
"Zero interest rate" is a loan contract reached between banks and individuals or organizations through mutual trust.
General international private commercial banks give interest-free loans,
Including consumption, shopping or further study and other bank loans.
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 join credit cards or various members or open a trading account when the loan is interest-free. This is a wonderful way to expand customers.
Process:
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.
Whether the individual pays the interest first, then the financial subsidy, or the financial interest in advance, the relevant scheme has not yet been determined, but the financial discount is certain. "
Interest-free loan process:
To apply for an interest-free loan, the applicant must be at least 18 years old and have proof of residence and self-owned funds. The applicant must also open an interest-free loan settlement account in the bank, and all operating income must pass through this settlement account.
The applicant must also prove that the loan he has applied for has a formal purpose, and the applicant must provide a mortgage guarantee that matches the loan. If all the above conditions are met, you can get an interest-free loan smoothly.
1. Meet the requirements of interest-free loans, and prepare all materials needed for interest-free loans from banks, such as banks or various financial institutions to improve their information and apply for interest-free loans;
2. After verifying the information, banks or various financial institutions can sign relevant loan agreements with lenders, and lenders must unconditionally abide by the agreements;
3. The bank will verify the lender's conditions one by one, and then review the lender's loan qualification. After all the conditions are verified, the bank will inform the lender to go to the front desk for loan procedures;
4. Go to the bank to handle the loan formalities with the relevant personal documents, and lend money within a few working days after successful handling.