Applicable object
/kloc-a natural person aged 0/8-60 with full capacity for civil conduct.
Loan variety
Farmers' guaranteed loans; Farmers' joint loan; Merchants guarantee loans; Merchants jointly guarantee loans.
loan limit
The maximum loan for farmers is 50,000 yuan, and the maximum loan for merchants is 654.38+10,000 yuan.
deadline
1 month to1February, in months; You can choose the loan term independently according to the production and operation cycle and repayment ability.
Repayment method
Matching principal and interest repayment method: repay the loan principal and interest in equal amount every month within the loan term;
Repayment of principal and interest by installments: only the loan interest will be repaid during the grace period, and the loan will be repaid after the grace period according to the repayment method of equal principal and interest;
Loan guarantee letter
You can choose to adopt the form of natural person guarantee or joint guarantee;
Guaranteed loans need 1-2 natural persons with compensatory ability to provide guarantees;
Farmers need 3-5 farmers to guarantee loans, and merchants need 3 merchants to form a joint guarantee team.
Processing channel
Postal Savings Bank Yangping Town Sub-branch and Jincheng Avenue Sub-branch can apply.
Processing time limit
Issue approval opinions within 3 working days at the earliest. For details, please consult the local branch of Postal Savings Bank.
Treatment process
Submit an application → field trip → review and approval → sign a contract → lend money.
Application material
Small loan application form;
Original and photocopy of your valid identity document;
Your local permanent residence book or business residence certificate for one year;
Other materials required for handling loans;
To apply for small loans from merchants, you also need to provide:
1, the original and photocopy of the business license that has passed the annual inspection (the industrial and commercial department stipulates that it is not necessary to apply for an industrial and commercial business license); Engaged in franchising, it shall also provide the original and photocopy of the business license of the relevant administrative department;
2. If the property right certificate or lease contract (agreement) of the business premises cannot be provided, the property right and lease relationship of the business premises shall be confirmed through a third party; If there is no property right certificate in rural areas, it may not be provided.
selling point
Convenient and fast, the loan review and approval speed is fast, and the approval opinions are issued within 3 working days at the earliest;
"Sunshine Credit" does not charge any extra fees except loan interest;
"On-time repayment incentive", if you repay on time, you will have the opportunity to enjoy interest-free concessions, and you can enjoy loans twice a year at most.
Personal commercial loan
Applicable object
Age 18 (including 18)-65 (excluding 65) A natural person with full civil capacity.
loan limit
1. The maximum loan amount can reach 3 million yuan.
2. A credit line or a single credit line can be implemented, and the loan, repayment and use can be repeated within the credit line.
deadline
The longest term of the credit line is 5 years, and those who meet the requirements within the credit line can apply for loans multiple times; The maximum term of a single loan is 5 years.
loan 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 repayment method: repay the loan principal and interest in equal amount every month within the loan term;
2. Repayment of principal and interest by installments: within a certain grace period, only the loan interest is repaid, but not the principal. After the grace period, the loan will be repaid according to the repayment of principal and interest by installments;
3. One-time repayment of principal and interest: one-time repayment of loan principal and interest at maturity;
4. Pay interest monthly (quarterly) and repay the principal in one lump sum: repay the loan interest monthly (quarterly) and repay the loan principal in one lump sum within the loan term.
Loan guarantee letter
Take the mortgage guarantee.
Processing channel
Postal Savings Bank Yangping Town Sub-branch and Jincheng Avenue Sub-branch can apply.
Processing time limit
Issue approval opinions within 7 working days at the earliest. Please consult your local post office for details.
Treatment process
Application → field investigation → examination and approval → signing a contract → implementing the guarantee conditions → issuing loans.
Application material
1. Identification certificate of the loan applicant, such as the ID card and household registration book of the loan applicant and spouse (if any);
2, the loan applicant's assets and family income and expenditure materials, such as housing ownership certificate;
3, business project certification materials, such as business license, tax registration certificate;
4, operating conditions of materials, such as financial statements, bank account running water, etc. ;
5. Guarantee related materials, such as house ownership certificate;
6. Other loan materials.
Personal comprehensive consumption loan
Applicable object
A natural person with full capacity for civil conduct;
The sum of the credit period and the borrower's age shall not exceed 65 years old;
Have a stable occupation and income, have the ability to repay, and have a good credit record.
loan limit
The credit line is 30,000 yuan (inclusive) to 3 million yuan (inclusive), and the credit line accounts for no more than 60% of the collateral value recognized by the bank.
deadline
The credit period shall not exceed 13 years, and the maturity date of a single loan shall not be later than the maturity date of credit. Banks will determine the maximum term of a single loan according to specific purposes.
Loan guarantee letter
Provide mortgage guarantee with the house owned by the borrower or spouse (* * *). Please consult your local branch for details.
Repayment method
Matching principal and interest repayment method, the monthly repayment of principal and interest remains unchanged;
One-time repayment of principal and interest, and one-time repayment of loan principal and interest on maturity date.
Processing channel
Postal Savings Bank Yangping Town Sub-branch and Jincheng Avenue Sub-branch can apply.
Processing time limit
Issue approval opinions within 2 working days at the earliest. Please consult your local branch for details.
Treatment process
Submit loan application → bank approval → sign loan contract → implement loan guarantee conditions → bank credit line takes effect → borrower applies for disbursement → bank issues loans → borrower repays monthly.
Application material
ID card, proof of marital status, household registration book, proof of occupation and income, proof of mortgaged house property right, and personal settlement account (passbook) of China Postal Savings Bank;
Other materials required for handling loans.
Product characteristics
A wide range of uses-can be used for their own or family car, decoration, education and other consumer purposes.
Flexible withdrawal-"one application, revolving line", within which multiple withdrawals can be recycled.
High amount-the maximum loan amount can reach 3 million to meet your multi-level consumption needs;
Long term-the maximum amount can reach 13 years, allowing you to borrow easily and spend without worry.
Personal automobile consumption loan
Applicable object
People's Republic of China (PRC) citizens aged 22-55 with full capacity for civil conduct, foreigners who have lived in People's Republic of China (PRC) continuously for 1 year and have a fixed residence and occupation, and people from Hong Kong, Macao and Taiwan.
loan limit
The maximum is 6.5438+0.5 million yuan.
The maximum loan amount for domestic cars does not exceed 70% of the price of the purchased car; The maximum loan amount for imported cars shall not exceed 60% of the price of the purchased car.
deadline
The longest is not more than 5 years.
Repayment method
Matching principal and interest repayment method, the monthly repayment of principal and interest remains unchanged;
One-time repayment of principal and interest, and one-time repayment of loan principal and interest on maturity date.
Loan guarantee letter
Provide mortgage guarantee with the purchased vehicle. At the same time, it can also increase the guarantee of cooperative institutions or natural persons, the cooperative institutions or natural persons pay a certain amount of deposit and other guarantee methods recognized by banks.
Processing channel
Postal Savings Bank Yangping Town Sub-branch and Jincheng Avenue Sub-branch can apply.
Processing time limit
Issue approval opinions within 2 working days at the earliest. Please consult your local branch for details.
Treatment process
Submit a loan application → bank approval → sign a loan contract → implement the loan conditions → the bank issues the loan → the loan applicant repays the loan on schedule.
Application material
Valid identity certificate, marital status certificate, occupation and income certificate, repayment ability certificate, down payment certificate, original car purchase contract (or car purchase agreement), motor vehicle driver's license and personal settlement account of China Postal Savings Bank;
Other materials required for handling loans.
Product characteristics
Easy loan-convenient application, quick approval and transparent service, so that you and your car are at your fingertips without waiting for a "loan";
High amount-the maximum loan amount is 6.5438+0.5 million to meet your multi-level car purchase needs;
Easy repayment-the repayment method is flexible, which allows you to repay the loan easily and enjoy life.
Working-class consumer loans
Applicable object
Employees who are 25-55 years old, have a good credit record, have a stable source of income and are paid by our bank.
loan limit
500,000-500,000 yuan, please contact your local branch for details.
quota period
The shortest term of credit line is 1 month, and the longest term is 3 years.
Repayment method
Matching principal and interest repayment method, the monthly repayment of principal and interest remains unchanged;
One-time repayment of principal and interest, and one-time repayment of loan principal and interest on maturity date.
Processing channel
Postal Savings Bank Yangping Town Sub-branch and Jincheng Avenue Sub-branch can apply.
Processing time limit
Issue approval opinions within 2 working days at the earliest. Please consult your local branch for details.
Treatment process
Submit a loan application → bank approval → sign a loan contract → the bank issues a loan → the borrower repays the loan on schedule.
Application material
Identity card, household registration book, proof of marital status, professional certificate, proof of repayment ability, professional title (if any), professional qualification (if any) and proof of educational level;
Other materials required for handling loans.
Product characteristics
Convenient extraction-"one application, revolving quota", which can be extracted many times and recycled;
A wide range of uses-it can be used to pay for personal consumption purposes such as car purchase, decoration, education, marriage and tourism;
Simple procedures-meet the customer access conditions of our bank and can apply without any collateral.
SME loan
Product definition
It is an operating loan for small business legal persons, which is mainly used to meet the normal capital needs of enterprises in the process of production and operation, and is divided into working capital loans and fixed assets loans.
selling point
1. "One-time application, revolving credit line", the bank implements the maximum revolving credit line for small business loans, and you can make repeated withdrawals within the line;
2. The mortgage ratio can be adjusted to meet the enterprise's demand for funds to the maximum extent.
Applicable object
All kinds of small enterprises with loan qualifications approved and registered by the State Administration for Industry and Commerce.
loan limit
1. The maximum loan amount can reach 20 million yuan. 2. Revolving credit within the credit line can be repaid with the loan and reused within the available credit line.
deadline
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.
loan rate
The benchmark interest rate of commercial loans of the People's Bank of China will float appropriately.
Repayment method
1, equal repayment of principal and interest, that is, equal repayment of loan principal and interest every month (every quarter) within the loan term;
2. Repayment of principal and interest in equal installments, that is, only interest will be repaid during the grace period of the loan, and the principal and interest of the loan will be repaid in equal amount every month after the grace period;
3. One-time repayment of principal and interest, that is, one-time repayment of loan principal and interest when due;
4. Other repayment methods.
Loan guarantee letter
Small business loans can be secured by means of real estate mortgage, chattel pledge and guarantee. Or they can be combined together.
Processing channel
Postal Savings Bank Yangping Town Sub-branch and Jincheng Avenue Sub-branch can apply.
Treatment process
Application acceptance → credit investigation → approval → contract signing → loan issuance.
Application material
1. Basic materials: such as the business license (original and copy) that has passed the annual inspection;
2. Information of business owners and related personnel: such as valid identity documents of the legal representative and spouse;
3, business information materials, such as financial statements, bank account flow, etc. ;
4. Mortgage materials, such as the ownership certificate of the property to be mortgaged/pledged;
5. Other materials required for handling loans.