1. The applicant must be between 18-65 years old and have full capacity for civil conduct. Before the loan expires, the applicant shall not be over 60 years old. 2. In local loans, you need to have a fixed place of residence, preferably a residence permit or temporary residence permit. 3. Stable work, stable income and sufficient repayment period. 4. The borrower has a good credit status and no record of breach of contract or other bad habits. 5. If it is a mortgage loan, you must also provide collateral recognized by the bank. For more loan conditions of the Postal Savings Bank, please go to:/ask/1c26301615839628.html? Zd view more content

Two, the postal bank enterprise loans to meet what conditions?

Stable income, fixed residence, permanent residence, good personal credit and other conditions.

3. Can the Postal Savings Bank use its business license to offset the loan? What is the specific process? What is the procedure?

If you have been in business for more than three months, you can lend money to a business with a business license and form a joint guarantee team with you to get a credit loan. 2. Find two administrative institutions, either operating at a profit ratio, or taking credit loans for one year.

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

For merchants, there are three people who guarantee and ask the guarantor for a loan. For the guarantor, there are two people, at least one of whom is a group with fixed salary, such as civil servants, doctors, teachers, formal employees of state-owned enterprises and so on. The other can be relaxed appropriately and can be self-employed, but it must have a business license.

If the merchant guarantees the loan, it usually takes at least 3 months to start business. If it is a company, it will take a year. Scale and profit will affect the amount of your loan, and whether you have borrowed money from other banks will affect the amount of your loan.

You can consult the local postal savings bank for specific materials.