What does the Postal Savings Bank need for a loan?

1. What does the Postal Savings Bank need for a loan?

Business introduction: Postal savings business is a loan product launched by China Postal Savings Bank for farmers and merchants (small business owners). Farmers are short-term loans issued to farmers to meet their agricultural planting, breeding or production and operation needs. Businessmen refer to loans granted by private entrepreneurs (including sole proprietorships, partnership partners and individual shareholders of limited liability companies). ), individual industrial and commercial households, urban self-employed households and other small business owners engaged in production and trade in urban and rural areas to meet their production and operation capital needs. This is a new credit business mainly launched by Postal Savings Bank. There is no need for any mortgage or pledge, and the procedures are simple, which fully meets the needs of farmers and small business owners for small and short-term liquidity. At present, it has opened business in some areas of 29 provinces and cities across the country, and gradually extended to more areas of the country to better provide quality financial services for farmers, individual operators and small business owners. Business Type: ◆ Farmers' Joint Guarantee Loan: It means that 3 to 5 farmers form a joint guarantee team and can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each household is temporarily 50,000 yuan. ◆ Farmers' guaranteed loan: refers to farmers. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 50,000 yuan. Merchant joint guarantee loan: refers to a joint guarantee team composed of three individual industrial and commercial households with business licenses or owners of sole proprietorship enterprises, who can apply for loans from the Postal Savings Bank without other guarantees. 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 sole proprietors with business licenses. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as their loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). Handling process: the borrower only needs to form a joint guarantee team or find a guarantor and bring his ID card. If the merchant still needs to bring a business license, he will apply to the opened outlets and be investigated and approved. You can get a loan after signing the contract, and you can get a loan within 3 days at the earliest. Repayment method ◆ One-time repayment method of principal and interest ◆ Equal repayment method of principal and interest ◆ Installment repayment method (only interest will be repaid during the grace period, and the loan will be repaid by equal repayment of principal and interest after the grace period). Before the maturity date of the loan principal and interest, the borrower needs to deposit enough funds in the postal savings account where the loan is issued, and the computer system will automatically deduct it. Note: The specific product information and business process shall be subject to the announcement of the local postal savings institution. You can call: 1 1 185 national service telephone (free of charge) or go to the post office to ask.

Second, the interest-free loan of the Postal Savings Bank is 65,438+10,000 yuan?

1, customer application.

First of all, customers need to fill out an application for a three-year interest-free loan of 654.38 million yuan for postal savings, and provide valid certificates and supporting documents. Then, according to the loan requirements, fill in the materials needed for the Postal Savings Bank to issue loans. Including the identity card, household registration book or other valid identity documents of the borrower, spouse, parents and children of both husband and wife, * * * common residents (including parents and children of the spouse who has opened a savings account in the bank, * * * common residents), or immediate family members. Then submit the application form and relevant supporting materials to the management department of the Postal Savings Bank. Usually it can be approved within one working day. After the approval, the applicant will be interviewed.

2. Bank verification information

Under normal circumstances, the 65438+ ten thousand three-year interest-free loan of the Postal Savings Office will require customers to provide large deposit certificates. This is because if you don't have enough proof of deposit, you can't apply for a loan provided by the bank. Banks need to conduct on-the-spot investigation on customers' loan applications when handling such loan products.

If the customer has little deposit in the bank, the loan amount will be small. If the customer deposits more than 200,000 yuan in the bank, it will not meet the conditions for applying for a three-year interest-free loan of 65438+ 10,000 yuan. However, only when the loan amount exceeds 200,000 yuan, customers can apply for a three-year interest-free loan product of 6,543,800 yuan, but ordinary loan products cannot be used.

3. Sign a loan contract

After examination, the customer meets the requirements, fill in the loan application form and submit relevant materials. Relevant departments will conduct approval. After approval, the customer can sign a written contract with the Postal Savings Bank. The contract clearly stipulates the rights and obligations of both parties, including the loan amount, term and interest rate.

4. Transfer of loan funds

After the applicant submits the materials as required, China Postal Savings Bank will inform the loan applicant of the fund account information by SMS. After receiving the information, the applicant needs to transfer the loan funds through the counter of the Postal Savings Bank.

3. What are the conditions for the 20 14 loan of Xiapu Postal Savings Bank of Fujian Province?

4. What are the conditions for the Postal Savings Bank loan?

Hello, 1,: Farmers of Postal Savings Bank are loans for rural planting, breeding and other production and business purposes. The borrower must be married, with more than two family members, aged between 18 and 60 years old, have a local household registration or have lived in the local area for more than one year, and have more than one year of planting and breeding experience. At the same time, 1 should be provided to two natural persons. Guarantors require people with stable income, such as national civil servants, teachers, doctors, etc., or form a joint guarantee team of 3 to 5 households. If all the conditions are met, the maximum loan amount can be less than 50 thousand yuan. The merchants of Postal Savings Bank are used for the business and turnover of merchants and Wechat business owners. The borrower must have a business license, have been in business for more than half a year, be aged between 18-60, have a local account or have lived in the local area for more than one year, and need to provide 1 or two natural persons as a guarantee. Guarantors are required to be civil servants, teachers, doctors and other groups with stable income. Or form three joint guarantee groups. When all conditions are met, the maximum loan amount can be less than 6,543,800 yuan. : Pledge the unexpired lump-sum deposit certificate of the Postal Savings Bank; Commercial loan: it requires a business license to operate normally for more than one year, and a real estate mortgage; Personal comprehensive consumption loan: it needs to be mortgaged by the house owned by the borrower; Personal housing loan: the main guarantee is the housing purchased by the borrower. The housing age does not exceed the fixed number of years stipulated by the local postal savings bank, and the mortgage registration can be handled in the local housing management department; Personal commercial housing loan: secured by the mortgage of the purchased house. 2, in the postal savings bank loans, need to provide a guarantor or collateral; I hope my answer is helpful to you.