The conditions required for a postal bank loan of 1, yuan are 18 to 6 years old. Farmers must be married, in good health, have a local hukou or have lived in the local area for one year. Merchants must have a business license approved by the industrial and commercial department and passed the annual inspection, and have a fixed business place. Borrowers who meet the requirements can bring the required relevant materials to the business outlets of China Postal Savings Bank to apply for loans.

1. In order to meet the needs of the current market, every bank and lending institution has successively introduced various loan methods. Postal micro-loan is a micro-loan product launched by Postal Savings Bank. In terms of loan amount alone, the types of small-amount loans include personal comprehensive consumption loans and personal credit consumption loans, etc. The amount of personal comprehensive consumption loans can reach 3-2 million yuan and personal credit consumption loans can reach 5,-5, yuan.

2. The materials to be submitted for applying for postal micro-loan are:

1. Micro-loan application form;

2. The original and photocopy of your valid ID card;

3. Proof of your permanent residence in the local area or residence for one year;

4. Other materials required for handling the loan;

5. Marriage certificate or marriage certificate.

6. If you apply for a merchant loan, you also need to provide:

1) the original and photocopy of the business license that has passed the annual inspection; Engaged in franchising, it should also provide the original and photocopy of the business license of the relevant administrative department;

2) Property right certificate or lease contract of the business premises.

loan process of postal bank

1. Consult China Postal Savings Bank for loan details and apply for a loan;

2. Submit the relevant materials required for the loan;

3. The bank shall review the relevant materials submitted by the borrower;

4. After the approval, the bank signs a loan contract with the borrower;

5. When the bank issues loans, the borrower repays them according to the contract.

loan target of Postal Bank

1. Personal loan (credit loan), with a loan amount of (1,-2,), a term of 1-3 years, and a loan interest rate of (1.8%) per month.

requirements: you need to provide a copy of your valid certificate (such as ID card and household registration book), as well as your home address and home fixed telephone number.

2. Enterprise loan: loan amount (1,-5,), term (1-3 years) Loan interest rate: monthly interest rate (1.8%).

requirements: (a) a copy of the business license, tax registration certificate, organization code certificate and legal representative's ID card.

requirements: (b) the company also requires the applicant to submit relevant materials, verify the submitted materials and submit them for approval, and make the payment within 1-2 days at the earliest.

3. Self-employed loan: loan amount (1,-5,), term (1-3 years) Loan interest rate: monthly interest rate (1.8%).

Requirements: (a) Copy of business license, tax registration certificate and ID card. Requirements: (b) At the same time, the company requires the applicant to submit relevant materials, and after verifying the submitted materials, it can give the customer a definite answer on whether to approve the funds within one hour.