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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.

Commercial variety

◆ Farmers' joint guarantee loan: It means that 3 to 5 farmers form a joint guarantee team and can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each household is temporarily 50,000 yuan.

◆ Farmers' guaranteed loan: refers to farmers. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 50,000 yuan.

Merchant joint guarantee loan: refers to a joint guarantee team composed of three individual industrial and commercial households with business licenses or owners of sole proprietorship enterprises, who can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas).

◆ Merchant-guaranteed loan: refers to individual industrial and commercial households or sole proprietors with business licenses. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as their loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas).

Treatment process

You just need the borrower to form a joint insurance team or find a guarantor and bring your ID card. If it is a business, you also need to bring a business license. You can apply to the outlets that provide small loans and accept the investigation and approval. The loan can be released after signing the contract, and it can be released within 3 days at the earliest (after signing the contract).

Term of small loan

The term of small loans is in months, with the shortest 1 month and the longest1February. Loan customers can choose the loan term independently according to their own production and operation cycle and repayment ability. For the joint guarantee loan, the term of the joint guarantee loan agreement is 2 years, and the application date and maturity date of the loan must be within the validity period of the joint guarantee agreement.

The materials that the lender should submit when handling the loan business.

8? 4 (1), 1. Original and photocopy of the borrower's valid identity certificate.

8? 4 (2), the borrower's local permanent residence or proof of living in the local area for one year.

8? (3) Customers applying for merchant loans must provide business licenses that have passed the annual inspection. Engaged in licensed business, it shall provide the original and photocopy of the business license of the relevant administrative department.

8? (4) If the borrower engages in production and business activities, it shall provide the property right certificate or lease contract of the business premises.

8? 4 (5), involving the guarantee of a natural person, the original and photocopy of the guarantor's ID card, proof of work unit or income, and a written commitment issued by the guarantor to provide guarantee (the current product does not need to be issued, just sign a joint guarantee agreement and a guarantee contract); Where mortgage or pledge is involved, it is necessary to provide the ownership certificate of mortgage or pledge right and the written certificate that the authorized person agrees to mortgage (pledge).

8? 4 (6) If the business license has been applied for less than three months, but it has been in normal operation for more than three months, and the operation is in good condition, relevant purchase and sale certificates shall be submitted.

8? 4 (7) Other materials required by the lender.

8? four

8? 4 repayment method

◆ One-time principal and interest repayment method

◆ Equal principal and interest repayment method

◆ Repayment by installment (only interest will be repaid during the grace period, and the loan will be repaid by equal principal and interest repayment after the grace period).

Remarks:

Before the maturity date of the loan principal and interest, the borrower needs to deposit enough funds in the postal savings account where the loan is issued, and the computer system will automatically deduct it.

2

8? 7 Small-sum pledge loan of personal time deposit certificate of postal savings refers to the loan business that postal savings institutions issue to borrowers to recover the principal and interest at one time after maturity with the unexpired RMB time deposit certificate (hereinafter referred to as time deposit certificate, including special deposit certificate) as the pledge guarantee.

8? Loans pledged by borrowers with certificates of deposit in their own names are called loans pledged by themselves, while loans pledged by certificates of deposit owned by others are called loans pledged by others. The owner of the pledged certificate of deposit that provides pledge guarantee is called the pledgor (i.e. the guarantor), and the same loan can only correspond to one pledgor.

Basic concepts:

The purpose and conditions of the loan

1. The loan object of the small-sum pledge loan is a natural person with China nationality and full capacity for civil conduct.

Two, the collateral of small mortgage loans must be opened in the postal savings institutions, but not yet expired RMB lump sum time deposit certificate. Certificates of deposit with disputed ownership, secured, reported loss, stopped payment and frozen shall not be used as pledge. Pledge is not allowed for time deposit certificates without password.

The purpose and conditions of the loan

Three, the loan should be paid to the borrower's personal current settlement account opened in the postal savings, and may not be paid directly in cash.

Four, the loan should be used for personal consumption, production and operation turnover. , shall not be used for securities, futures and other transactions, shall not be used for equity investment or business projects prohibited by the state; If the borrower uses the loan in violation of relevant laws or engages in illegal activities, the post office that signed the contract has the right to terminate the contract and recover the principal and interest of the loan; If you can't recover the loan principal and interest, you must take the initiative to dispose of the pledged time deposit certificate and pay off the pledged loan principal and interest.