1. What are the requirements for postal interest-free loans?
Requirements for postal interest-free loans
1. The lender must be capable and must not be over 50 years old.
2. When borrowing, you need to hold a business license, tax registration certificate and relevant industrial and commercial business license issued by the industrial and commercial administration department.
3. The lender’s personal credit is good and there is no bad credit record
4. The borrower has local household registration or residence for one year, and the production and operation of the project must be in accordance with national industrial policies or laws and regulations.
5. The lender needs to have the ability to repay the loan regularly.
6. Apply for a bank account at the bank.
7. Pledge or guarantor, guarantee company, etc.
For some loan conditions of interest-rate loans, each bank outlet will also have some local online banking consultations that comply with local policies to consider whether to apply.
Postal Savings Bank of China has a century-old history dating back to 1919. In March 2007, Postal Savings Bank of China Co., Ltd. was officially established. In January 2012, the company was restructured into a joint stock limited company. In December 2015, ten domestic and foreign strategic investors were introduced.
In September 2016, it was listed on the Shanghai Stock Exchange in December 2019, successfully completing the three-step reform goal of "shareholding reform - leading to war - listing in A and H". China's postal savings can be traced back to a century-old history. 200 Postal Savings Management System, based on the Postal Savings Bank of China Co., Ltd. In January 2012, the company was restructured into a joint stock limited company. Foreign strategic investor in 2015. In September 2016, it was listed on the Hong Kong Stock Exchange and listed on the Shanghai Stock Exchange, successfully achieving the three-step reform goal of "listing in both places A and H".
2. What are the conditions for postal savings loans
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Online loans are enough
3. What are the conditions for Postal Bank loans
Postal Bank has many types of loans. Different loans include Different loan conditions, for example, a housing loan requires the person to be able to pay the down payment, and a provident fund loan requires continuous payment of the provident fund for a certain period of time. However, in addition to the specific conditions that must be met for different loans, the following basic loan conditions must also be met:
1. Must be over 18 years old and have full capacity for civil conduct;
2. Have legal identity certificate;
3. Have a fixed place of residence and work;
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4. Have stable and legal income and be able to repay the principal and interest of the loan;
5. Have a good credit record;
6. Provide mortgage or guarantee.
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