1. Is the Postal Savings Small Loan real? Is it a loan from a bank?
False
2. How to get a 200,000 postal savings loan without interest ?
The post office has an interest-free loan of RMB 200,000. . . A policy loan launched to encourage laid-off employment, including pig breeding loans, animal husbandry loans, etc. Take pig breeding loans as an example: 1. The users need to be local residents. 2. Breeders also need to have legal breeding procedures, a certain breeding scale and farm, and more than 2 years of breeding experience. 3. It also requires a good credit record to ensure repayment ability. Only those who meet the above conditions can apply for postal interest-free loans.
The postal interest-free loan does not really have no interest, but the interest is. . . Subsidy depends on the local area. . . Determined by the policy launched.
3. How to get a postal interest-free loan
To apply for a postal bank interest-free loan to start a business, borrowers must meet the following requirements: 1. Have full capacity for civil conduct. Under 10 years old.
2. Hold an industrial and commercial business license, tax registration certificate and related matters issued by the industrial and commercial administration authority.
3. Engage in legitimate production and business activities, and the project has development potential or market competitiveness.
4. Have good credit standing, comply with laws and regulations, have no bad credit and debt records, and be able to provide mortgage, pledge or guarantee recognized by the bank.
5. Have a fixed residence and business premises in the handling institution.
6. Open a settlement account in the bank and apply for daily settlement through the bank account.
7. Other conditions specified by the bank.
4. Is the postal service’s interest-free loan of RMB 200,000 true?
Postal Bank’s interest-free loan is true, but not everyone can apply for it. It is a policy loan launched by the government to encourage laid-off workers to find employment. Interest-free loans do not really have no interest, but the interest is government subsidies. Postal interest-free loans are determined based on whether the local government introduces interest-free loan policies.
Personally, I think it is not easy to apply for the Postal Bank interest-free loan, and the application process is relatively complicated. Maybe you have prepared a lot of information, but in the end the interest-free loan still failed to be approved. Of course, you can consult your bank to find out more before applying.
It is understood that many bank loans now require mortgage. If there is no mortgage, the loan interest rate is relatively high. Of course, bank loans are more cost-effective than online loans because the interest rates are lower after all. If you are short of money, it is not recommended that you apply for an online loan.