Individual industrial and commercial households or sole proprietorship owners with business licenses can apply for loans from the Postal Savings Bank as long as one or two people (depending on the loan amount) who have a fixed job and a stable income serve as their loan guarantors. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas).

I. Conditions for applying for small loans:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Two. Microfinance processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Extended data:

Small loans for merchants, with a maximum grace period of 4 months; For farmers' small loans, the longest grace period of loans is 10 month. Provincial branches should reasonably determine the longest grace period of local loans according to the agricultural production cycle or capital turnover.

The longest credit period for small enterprises is 5 years, and they can apply for an online single loan within the validity period of the credit line. The longest working capital loan shall not exceed 18 months, and the longest fixed asset loan shall not exceed 3 years.

The bank examines the written loan application, purchase and sale contract and related financial statements submitted by the applicant, examines and authenticates the information of loan guarantee or loan collateral submitted by the applicant, conducts on-the-spot investigation before lending, and then makes a decision on whether to approve the loan.

Can I borrow up to RMB 654.38+10,000 from the Postal Savings Bank with my business license?

Yes, individual industrial and commercial households or sole proprietorship business owners with business licenses can apply for loans from the Postal Savings Bank as long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as loan guarantors. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas).

Extended data

Borrowing object

Lending on the same day by individuals and enterprises (mortgage-free, guarantee-free, convenient, fast and confidential)

1: personal loan (credit loan), loan amount (1 10,000-200,000), term 1-3 years, loan interest rate: monthly interest rate (1.305%).

2. Corporate loan: loan amount (65438+ million-500,000), term (1-3 years), loan interest rate: monthly interest rate 1.305%.

3. Self-employed loan: loan amount (65438+ 10,000-500,000), term (1-3 years), loan interest rate: 65438+ 0.305% per month).

Requirements: (1) Copy of business license, tax registration certificate and ID card.

Requirements: (b) At the same time, the company requires the applicant to submit relevant materials, and after verifying the submitted materials, it can give the customer a clear answer on whether to approve the funds within 1 hour.

Remarks: The above information, loan amount and loan interest rate vary from region to region. Please consult your local Postal Savings Bank for details.

Postal savings micro-loan business is a loan product launched by China Postal Savings Bank for farmers and merchants (small business owners). Small loans for farmers are short-term loans granted to farmers to meet their agricultural planting, breeding or production and operation needs. Merchant microfinance refers to loans granted by private entrepreneurs (including sole proprietorships, partnership partners and individual shareholders of limited liability companies). ), engaged in production and trade in urban and rural areas to meet their production and operation capital needs of individual industrial and commercial households and urban self-employed.

Is it true that all business licenses of postal savings can be lent for 203 thousand years?

It is still true that the business license of the Postal Savings Office has been borrowed for 203,000 years. The interest-free loan with a business license of 200,000 yuan is true, and it is essentially a business guarantee loan. The main service targets are personal venture loans and small and micro enterprise loans, and key support is given to individuals or enterprises that have been in business for less than five years. Therefore, it is true that the Postal Savings Office has a business license to lend money for 203,000 years.