Postal savings micro-loan business is a loan product launched by China Postal Savings Bank for farmers and merchants (small business owners). Small loans for farmers are short-term loans granted to farmers to meet their agricultural planting, breeding or production and operation needs. Merchant microfinance refers to loans granted by private entrepreneurs (including sole proprietorships, partnership partners and individual shareholders of limited liability companies). ), engaged in production and trade in urban and rural areas to meet their production and operation capital needs of individual industrial and commercial households and urban self-employed.

Conditions for applying for a small unsecured loan from a postal merchant:

1. Applicant 18-60 years old, in good health, with a local hukou or living in the local area for one year; Having a business license issued by the industrial and commercial department and passing the annual inspection; Normal operation for more than three months; The main business place is within the scope of the city (county) district.

2. Guarantee conditions: If the loan amount is below 654.38+00000 yuan (excluding), you only need to find a guarantor. The guarantor must be a national civil servant, institution, regular employee of large and medium-sized enterprises or a group with relatively stable income such as teachers and doctors. The loan amount is 1 1,000 yuan-1 1,000 yuan. You need to find two guarantors, one of whom must be a national civil servant, institution, regular employee of large and medium-sized enterprises, teachers, doctors and other people with relatively stable income, and the other guarantor must have a fixed occupation or a stable income.

3. Materials to be submitted: the original and photocopy of the ID cards of the applicant and guarantor; Personal income certificate of the guarantor; The original and photocopy of the business license issued by the industrial and commercial department and passed the annual inspection, as well as other materials required by the postal bank.

4. Loan processing flow: find guarantor-apply for branch-submit information-fill in application form-accept investigation-wait for approval-sign loan contract-issue loan.

There is also:

Postal savings bank loans are small loans. For two customer groups.

1, for farmers, it should be engaged in farming and planting. Get married. Find one or two guarantors, and you can borrow up to 50 thousand.

2, it is aimed at merchants. You should have an industrial and commercial business license and have been operating normally for more than three months. And find one or two guarantors, and the maximum loan can be 654.38+ 10,000.