Loans from agricultural banks, credit cooperatives and postal savings banks

Agricultural Bank of China is impossible. Need a higher loan amount. Its interest rate is the lowest.

Credit cooperatives can be suggested to consider that the cycle is 1 year. The first loan1.50,000-50,000 depends on your relationship and the weight of the guarantor. If you are not an adult, this is ok. If you get married, that's best. Unmarried people need the consent of the guardian, that is, the consent of the owner in your household registration book. The interest is 0.75- 1. 1 (for example, you need 1 10,000 yuan interest every month for your loan). It should be below 0.9 now. I don't know exactly. Interest is paid quarterly. Generally 3.6.9.650.

If you want to lend money to a credit cooperative, you should also do some business for it. Just like you want to save money from him, it can indirectly check whether you have this financial ability through your passbook current account. You should have some strength yourself. It is impossible to lend money empty-handed, which is more difficult.

Postal savings loans, only a small loan of 1-65438+ 10,000. Guarantors require teachers or government staff, ranging from 30 thousand to 2-3 guarantors. And its repayment method is (principal+interest)/12 = the money you need to pay back every month. This is not suitable for a first-time entrepreneur. It also has a joint venture.

I suggest you get a loan from a credit cooperative first, and apply for a business license in time when starting a business (100-300). My own 97 yuan is 158 yuan. You can operate for a few months to see if you can get a loan, and then you can get a loan by postal savings. Remember that if you have money, there must be something you want to borrow, which is part of the strength test.