The target includes farmers and merchants, who can lend money within 3 days after the audit without mortgage.

Application-submission of materials-loan investigation-approved quota-guarantee implementation-effective quota-flexible loan-loan issuance-this is the loan handling process.

The applicant's requirements are all kinds of private entrepreneurs, individual industrial and commercial households and urban self-employed individuals who have been approved and registered by the administrative department for industry and commerce, have a fixed place of production and business operation and can have credit.

The maximum one-time loan amount is 654.38+ten thousand yuan only. If it can be guaranteed by the merchant, the conditions of the three households are the same, and the maximum loan is 300,000.

Note: People's real estate can also be used as mortgage guarantee, with a maximum loan of 6,543.8+0,000 yuan, no evaluation fee and no turnover line, which is convenient to use.

Postal savings bank of China Tianjin Hexi district branch

Tel: 23379710.135161516.

Second, how to borrow postal savings loans

1. Prepare personal data, including ID card, household registration book, income certificate, bank card running list, etc.

2. 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;

3. The bank will check the borrower's credit information, and after the credit information system is displayed, the bank will approve the loan amount and cycle;

4. After the approval of the bank, a detailed list of loans and repayments will be issued, and the borrower will repay on time according to the details until it is paid off.

If you want to know the progress of the loan application of the Postal Savings Bank, you can inquire in the following ways:

1. Telephone inquiry: Call the customer service hotline of the Postal Savings Bank, inform the identity and loan information, and then contact the manual or self-service voice system for inquiry;

2. official website or APP inquiry: enter the account information, enter the loan progress inquiry column, and click the application progress inquiry;

You can also check at the manual counter.

1. Prepare personal data, including ID card, household registration book, income certificate, bank card running list, etc.

2. 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;

3. The bank will check the borrower's credit information, and after the credit information system is displayed, the bank will approve the loan amount and cycle;

4. After the approval of the bank, a detailed list of loans and repayments will be issued, and the borrower will repay on time according to the details until it is paid off.

If you want to know the progress of the loan application of the Postal Savings Bank, you can inquire in the following ways:

1. Telephone inquiry: Call the customer service hotline of the Postal Savings Bank, inform the identity and loan information, and then contact the manual or self-service voice system for inquiry;

2. official website or APP inquiry: enter the account information, enter the loan progress inquiry column, and click the application progress inquiry;

You can also check at the manual counter.

3. What are the procedures for the loan of Postal Savings Bank 202 1?

Postal savings bank needs to apply for 202 1 loan, copy of husband and wife ID card, loan contract, etc.

Four, how to handle the postal savings bank loan? What documents do you need?

Quota individual

Personal business loans refer to personal legal production loans issued by Postal Savings Bank to borrowers.

Applicable object:

/kloc-a natural person aged 0/8-65 with full capacity for civil conduct;

Sole proprietorship, individual industrial and commercial households, partnership owners or individual shareholders of limited companies in the industrial and commercial administration.

loan limit

The maximum loan amount can reach 5 million yuan;

The maximum revolving credit line is implemented, which can be repaid with the loan and written off.

Loan term:

The longest term of revolving credit is 5 years. In the revolving credit period, the business activities are normal, and the use of funds meets the conditions of the loan bank, which can be up to 5 years.

loan

Commercial loans of the People's Bank of China are appropriately floating.

still

1, equal principal and interest

The loan amount repays the loan principal and interest.

Step 2: Stage

The loan principal will not be repaid within a certain grace period. After the grace period is over, the loan principal and interest shall be repaid in the way of equal principal and interest repayment. 4. Pay interest on a monthly (quarterly) basis, and repay the loan interest on a monthly (quarterly) basis once it is due. Loan guarantee:

Real estate is mainly used as collateral, including personal housing and commercial housing, machinery and equipment, forest rights and other collateral recognized by the Postal Savings Bank.

Processing channel:

You can apply online at the Postal Savings Bank for loan services, or you can log in to the online bank.

Time limit for processing:

Issue approval opinions within 7 working days at the earliest. Please consult your local post office for details.

Processing flow:

Submit for examination and approval → sign a contract → implement the guarantee conditions → the quota takes effect → withdraw money.

Application materials:

Materials to be submitted for applying for personal business line loan:

1, personal business loan line application form;

2. The original and photocopy of the valid identity documents of the borrower and its spouse;

3, the borrower's household registration book and proof of residence for one year;

4. Legal production and operation procedures. Such as: the original business license and tax registration certificate that have passed the annual inspection; The original and photocopy of the business license for engaging in special departments; If it is a limited liability company or partnership, it is also necessary to provide the organization code certificate, the original and copy of the articles of association; 5, proof of property rights of business premises (or lease contract, agreement

6. Where real estate mortgage is involved, provide the original property ownership certificate, land use right certificate, ownership certificate, mortgagor and its distribution.

Step 7 apply for a loan

Service function:

An application, line mode, as long as a credit is passed, can be in line mode.

Withdraw money at any time, and the procedure is simple: during the withdrawal period, when your production and operation need financial support, you only need to fill in the withdrawal slip at the handling outlet site to get the loan conveniently and quickly.

There are many kinds of collateral, such as three-person housing, commercial housing and other real estate loans, as well as mechanical equipment, forest rights and other mortgage guarantees. The maximum loan amount is 5 million yuan, which can effectively alleviate the capital needs of customers.

Tips:

Whether you can apply for a loan through the Postal Savings Office, as well as the loan amount, term, interest rate and repayment method, are determined by the Postal Savings Office according to your credit status.

Unlimited personal business loan

Unlimited personal business loans refer to short-term business loans with local characteristics issued by the Postal Savings Bank to borrowers.

Applicable object:

/kloc-a natural person aged 0/8-65 with full capacity for civil conduct;

Owners of sole proprietorship enterprises, individual industrial and commercial households, partnership enterprises or individual shareholders of limited companies who have been approved and registered by the administrative department for industry and commerce and have fixed production and business premises.

Loan amount:

1 10,000 yuan to 5 million yuan (please consult the local branch of Postal Savings Bank for details).

Loan term:

1 to 60 months, in months;

You can choose the loan term independently according to the production and operation cycle and repayment ability.

Loan interest rate:

The benchmark interest rate of commercial loans of the People's Bank of China will float appropriately.

Repayment method:

1, equal principal and interest

Repay the loan principal and interest in equal amount every month/quarter within the loan term.

2. Equal principal and interest in installments

Within a certain grace period, the loan only pays the loan interest but not the principal. After the grace period, the loan shall be repaid in the form of equal principal and interest repayment.

3. One-time repayment of principal and interest

Repay the loan principal and interest in one lump sum at maturity.

4. Pay interest on a monthly (quarterly) basis, and repay the principal in one lump sum at maturity.

Repay the loan interest on a monthly (quarterly) basis within the loan term, and repay the loan principal in one lump sum when the loan expires.

Loan guarantee:

The professional market lease right (or management right and use right), fishing boat, forest right, transport ship, sea area use right and warehouse receipt signed with our bank can be used as guarantee;

Note: The scope of collateral for personal business loans without quota has been gradually expanded. Please consult your local post office for details.

Processing channel:

You can apply online at the local Postal Savings Bank that provides unlimited personal business loan services, or you can log in to the online bank.

Tips:

Whether you can apply for a postal savings loan, as well as the loan amount, term, interest rate and repayment method, are determined by the Postal Savings Bank according to your credit status.

If the above contents are changed, please consult the local post office or call the customer service hotline 95580.

Personal business car mortgage loan

Personal business car mortgage loan refers to the RMB secured loan issued by the bank to qualified natural persons for the purchase of first-hand business cars.

Applicable object:

China citizens aged between 25 and 55 with full capacity for civil conduct;

Have more than two years of independent experience in vehicle transportation or engineering construction; At the time of application, you already have more than one business car. Loan amount:

1 10,000 yuan to 5 million yuan (please consult the local branch of Postal Savings Bank for details).

Loan term:

1 to 36 months, in months;

You can choose the loan term independently according to the production and operation cycle and repayment ability.

Loan interest rate:

The benchmark interest rate of commercial loans of the People's Bank of China will float appropriately. Repayment method:

1, equal principal and interest

Repay the loan principal and interest in equal amount every month within the loan term.

2. Equal principal and interest in installments

Within a certain grace period, the loan only pays the loan interest but not the principal. After the grace period, the loan shall be repaid in the form of equal principal and interest repayment.

Loan guarantee:

Operating vehicle mortgage loans should be based on purchased vehicles and construction machinery as collateral.

Handling channel: You can apply online or log in to online banking at the local Postal Savings Bank outlets that provide personal commercial vehicle mortgage loan services.

Tips:

Whether you can apply for a loan through the Postal Savings Office, as well as the loan amount, term, interest rate and repayment method, are determined by the Postal Savings Office according to your credit status.