What is the operation method of preferential loan for postal savings?

1. How to operate the preferential loan for postal savings?

First of all, the unit that meets the conditions for applying for preferential loans from the Postal Savings Bank will be applied to the Postal Savings Bank by the unit leader, and then the bank will have special handlers to handle it at home. Applicants need to provide their ID card and fill in the loan application form, credit inquiry authorization and provincial inquiry authorization. After the processing is completed, a short message will be sent to inform whether it is approved.

Second, how to handle loan business in postal savings.

If you have a time deposit certificate of the postal savings office, you can also use this kind of deposit certificate with less interest, because having legal documents is more secure and reassuring than borrowing money directly. There is no time deposit certificate, only a credit loan. Both farmers and businesses can have relevant credible projects. Such as breeding, or expanding the scale of production. There are three to five households with 50,000 households. The guarantor requires both husband and wife to bring their ID cards and marriage certificates to sign for you. Merchants are more than two merchants, industrial and commercial, tax, original and copy (after annual inspection), ID card. There will be a visit three to seven days after acceptance. You can put it down on the eighth or ninth day and the money will be taken out.

Three, how to handle the postal savings bank business

Postal savings business is a loan product launched by Zhonghe merchants (small business owners). Farmers invest a small amount of money to meet their agricultural planting and breeding. Merchants are loans granted by private entrepreneurs (including sole proprietorships, partners in partnerships, individual shareholders of limited liability companies, etc.). ), individual industrial and commercial households, urban self-employed and other small business owners to meet their production and operation capital needs. Business Type ◆ Farmers' Joint Guarantee Loan: It means that 3 to 5 farmers can form a joint guarantee team and apply for a loan from the Postal Savings Bank. Maximum guaranteed loan for each farmer: refers to a farmer who only needs one or two people with a fixed occupation and stable income (depending on the loan amount) to apply for a loan at the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 50,000 yuan. Merchants' joint guarantee loan: it means that three owners with business licenses form a joint guarantee team, and it is no longer necessary to deposit a bank to apply for a loan. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). ◆ Merchant-guaranteed loan: refers to individual industrial and commercial households or owners of sole proprietorship enterprises with business licenses. Only one or two (the number depends on the loan amount) can apply for a loan from the Postal Savings Bank, and the maximum loan amount for each merchant is temporarily 6.5438+10,000 yuan (200,000 in some areas will form a joint guarantee team, or if a merchant is found, it is necessary to bring a business license. Go to the opened outlets to apply together and accept the investigation and approval. You can lend money after signing the contract, and you can get the loan term in 3 days at the earliest (after signing the contract). The shortest term 1 month and the longest term 12 months. Term, repayment ability, etc. , self-guaranteed loans. The term of the joint guarantee loan agreement is 2 years, and the application date and maturity date of the loan must be within the validity period of the joint guarantee agreement. Material (1), 1. Copy of the borrower (2) and proof that the borrower has lived in the local area for one year. (3) Customers applying for merchant loans must provide the merchants who have passed the annual inspection and provide the operating conditions of relevant management departments; (3) The borrower engaged in production and business activities shall provide the property right certificate or lease contract of the business premises; (5) The original and photocopy of the certificate involving self-certification, the certificate of work unit or income, and the consent certificate provided by the guarantor do not need to be provided, but only need to be provided); The ownership certificate involving mortgage or pledge or pledge right and the written certificate that the authorized person agrees to mortgage (pledge). (6) The business license has been processed for less than three months, but it has been operating normally for three months, and relevant purchase and sale certificates are submitted. (7) Other materials required by the lender. Repayment method ◆ One-time principal and interest repayment method ◆ Equal principal and interest repayment method ◆ Installment repayment method (after the grace period, the loan will be repaid by equal principal and interest repayment method, and the loan will be automatically deducted from the postal computer system that issued the loan before the maturity date.

4. How does China Post get a loan?

Prepare personal information, including ID card, household registration book, income certificate, bank card running list, etc. Then fill in the loan application form at the counter of the Postal Savings Bank and submit the above information to the bank counter to apply for loan business. The bank will check the borrower's credit information. After the credit information system shows well, the bank will approve the loan amount and cycle. After the bank approves the loan, the borrower repays it on time according to the details. China Postal Savings Bank can be traced back to the postal savings business started in 19 19, and it has a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company. From 20 15 to 12, ten domestic and foreign strategic investors were introduced. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 to 12 were listed on the Shanghai Stock Exchange, and the three-step reform goal of "share reform-leading battle-listing in A and H" was successfully completed. Postal savings in China can be traced back to the postal savings business started in 19 19, which has a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company. From 20 15 to 12, ten domestic and foreign strategic investors were introduced. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 to 12 were listed on the Shanghai Stock Exchange, and the three-step reform goal of "share reform-leading battle-listing in A and H" was successfully completed. The bank has nearly 40,000 outlets and serves more than 600 million individual customers, giving full play to the unique mode of "self-management" to serve agriculture, rural areas and farmers, urban and rural residents and small and medium-sized enterprises. With excellent asset quality and remarkable growth potential, the Bank is a leading large retail bank in China. The Bank insists on serving the real economy, actively implements the national strategy, supports the construction of China's modern economic system, and realizes its own sustainable development. Adhere to customer-centric, build an online and offline integrated financial service system, and provide our customers with high-quality, convenient and efficient integrated financial services. Adhere to the risk orientation, constantly improve the "all-round, all-round, all-staff" comprehensive risk management system construction, and maintain the excellent level of asset quality. Adhere to the mission of "inclusive urban and rural areas, so that financial services have no distance" and provide inclusive finance services; Follow the trend of residents' wealth growth and consumption upgrading, and develop wealth finance; Support the transformation and upgrading of industrial structure and develop industrial finance; Implement the major deployment of peak carbon dioxide emissions and carbon neutrality, and develop green finance. Empower high-quality development with financial technology and build a digital eco-bank that serves rural revitalization and new urbanization.