1. What are the procedures for a Postal Savings Bank loan of RMB 50,000?

Merchant Guaranteed Loan: Refers to a self-employed or sole proprietorship owner holding a business license from the Industrial and Commercial Bureau, who needs one to two people (the number of people will be determined based on the loan amount) with a fixed job and a stable source of income. Anyone who acts as a loan guarantor has the right to apply for a commercial loan from the Postal Savings Bank. The maximum loan amount for each merchant is tentatively set at 100,000 yuan (can reach 200,000 yuan in some areas). The application process only requires the borrower to form a joint guarantee team or find a guarantor and bring his or her ID card.

If you are a merchant, you need to bring your business license and go to the branch to apply and accept the investigation. If approved, you can get the loan after signing the contract, as soon as 3 days (after signing the contract) You can get the loan term in months, with the minimum being 1 month and the maximum being 12 months.

Loan customers can choose the loan term independently according to their own production and operation cycle, repayment ability and other conditions. For joint guarantee loans, the joint guarantee loan agreement has a term of 2 years, and the loan application date and expiration date must be within the validity period of the joint guarantee agreement.

What information does a merchant need to submit when applying for a Postal Savings Bank loan?

(1) Original and copy of the borrower’s valid identity document.

(2) The borrower’s local permanent residence or documentation proving that he or she has lived in the local area for one year.

(3) Customers applying for merchant loans must provide a business license that has passed the annual inspection. Those engaged in licensed operations must provide the original and copy of the business license from the relevant administrative department.

(4) If the borrower is engaged in production and business activities, it must provide proof of property rights of the business premises or a lease contract.

(5) If a natural person guarantee is involved, the original and copy of the guarantor's ID card, proof of work unit or income, and a written commitment from the guarantor to provide guarantee (current products do not need to be issued, only need to sign a joint statement) Guarantee agreement, guarantee contract); if a mortgage or pledge guarantee is involved, documents proving the ownership of the mortgage or pledge rights and written proof that the person with the right to dispose of the property agrees to the mortgage (pledge) must be provided.

(6) If the business license has been issued for less than three months, but has been operating normally for more than three months, and the business is in good condition, relevant purchase and sales certificates must be submitted.

(7) Other information required by the lender.

The above is an introduction to what materials merchants need to submit when applying for Postal Savings Bank loans. The repayment methods include the following one-time principal and interest repayment method, equal principal and interest repayment method, and staged repayment method (in During the grace period, only interest will be repaid, and after the grace period, the loan will be repaid according to the equal principal and interest repayment method). Note: Before the loan principal and interest are due, the borrower needs to deposit sufficient funds in the postal savings account where the loan is issued, and the bank computer system will automatically deduct the amount. For specific details, please consult Zhonghong Yicheng Capital Management.

2. When someone buys my house with a loan from the Postal Bank, what documents do I need to show?

Currently, there are two loan businesses offered by the Postal Savings Bank: 1. Small amount; divided into ( 1) I pledge that I will go to a postal savings outlet with my ID card and time deposit certificate (account opening date is more than 20 days ago) to go through the relevant procedures (very simple and convenient) (2) Others pledge that the borrower will hold his or her ID card, and the pledger will hold his or her ID card and For the pledged deposit certificate (account opening date is more than 30 days)***, go to the Postal Savings Branch to go through the relevant procedures. (A little more complicated) Postal Savings has clear regulations on small amounts and loan periods. The maximum limit for a single customer's small amount of savings cannot exceed 200,000 yuan (including 200,000 yuan) for himself, and the maximum limit for others cannot exceed 100,000 yuan (including 100,000 yuan). Ten thousand yuan), the minimum loan amount is 1,000 yuan, and each loan shall not exceed 90% of the total amount of the pledged deposit certificate. The maximum number of pledged deposit certificates is 5, and the pledged deposit certificate must be 30 days after the account is opened before the pledge procedures can be processed. Immediate deposit is not allowed. Loan, the loan term does not exceed 12 months. If approved successfully, the borrower can get the loan within two days. The postal interest rate follows the benchmark interest rate stipulated by the People's Bank of China. The loan interest rate for less than half a year is only 5.58%, and the loan rate for half a year to one year is 6.12%. The minimum interest rate for a loan of 10,000 yuan is only 1.55 yuan per day.

If the loan exceeds 50,000 yuan (not included), the loan interest rate can also be reduced by 5%. 2 Small credit loans; loan targets are farmers; loan amount: up to 50,000 yuan. Loan term: 1-12 months. Loan interest rate: monthly interest 1 point 3% 2 Repayment method: (1) One-time principal and interest repayment method: For loans within 4 months (including 4 months), one-time principal and interest repayment; (2) Equal principal and interest repayment method: 1 For loans from 1 to 12 months, the principal and interest of the loan will be repaid in equal monthly installments; (3) Phased equal principal and interest repayment method: For loans from 4 months to 1 year, only interest will be repaid in the first 8 months, and thereafter in equal installments monthly Loan principal and interest; Guarantee conditions: The guarantor must be a civil servant, a formal employee of a public institution or a state-owned large and medium-sized enterprise. Applicant requirements: 20 to 60 years old (married), in good health, have a local household registration or have lived locally for one year; engaged in rural land farming or other production and business activities related to rural economic development; have a fixed residence and be in the area Inside. Materials required to be submitted include the original and a copy of the applicant's ID card, the original and a copy of the guarantor's ID card, and a certificate from the work unit, stamped with the official seal of the unit. Loan application process Find a guarantor ----- apply at the counter or by phone----fill in the application form-----submit materials-----accept investigation-----wait for approval---- -Notify the approval results----sign the loan contract----issuance of the loan---post-loan inspection-----loan recovery. Loan objects are merchants; loan objects: individual industrial and commercial households and sole proprietorships; loan amount: up to 100,000 yuan; loan period: 1 to 12 months; loan interest rate: 1 cent and 3 percent per month; repayment method: ( There are also 3 repayment methods, the same as those for farmers) Applicant conditions: 18 to 60 years old, in good health, have a local household registration or have lived locally for one year; the production or business projects they engage in comply with national industrial policies and laws and regulations ; Have a business license approved and annually inspected by the industrial and commercial department; have a fixed business location and be within the region. Materials that need to be submitted include an original and a copy of the applicant’s ID card, an original and a copy of the business license approved by the industrial and commercial department and annual inspection, an original and a copy of the guarantor’s ID card, and a certificate from the work unit with the official seal of the unit.

3. What materials are needed for the Postal Bank mortgage interview? What is the process of real estate mortgage loan?

Nowadays, many people will buy houses through loans, which can relieve their financial pressure. Postal Bank is the bank that many people choose for loans, and for Postal As far as banks are concerned, borrowers are required to provide relevant information when conducting home loan interviews. So what materials are needed for the Postal Bank mortgage loan interview?

Nowadays, many people will buy houses through loans, which can relieve their financial pressure. Postal Bank is the bank that many people choose to borrow, and for Postal Bank, it is undergoing During the mortgage interview, the borrower is required to provide relevant information. So what materials are needed for the Postal Bank mortgage loan interview? What is the real estate mortgage loan process? Below I will give you a detailed introduction to the relevant knowledge.

What materials are needed for the Postal Bank mortgage interview?

1. Valid ID card and household registration book of the borrower;

2. Proof of marital status. If you are unmarried, you need to provide a fiancée certificate. If you are divorced, you need to provide a civil mediation letter or (note Proof that they have not remarried after divorce);

3. If you are married, you must provide your spouse’s valid ID card, household register and marriage certificate;

4. Proof of the borrower’s income (for six consecutive months Proof of salary income or local tax certificate);

5. Property ownership certificate of the real estate;

6. Guarantor (ID card, household register, marriage certificate, etc. are required) ).

What is the real estate mortgage loan process?

1. The borrower opens a current deposit account at the Postal Savings Bank of China;

2. Prepares the information required for the loan;

3. Interviews with the bank;< /p>

4. Bank filing and approval;

5. After the bank has passed the approval, it will notify the borrower of the approval result and sign a loan contract with the borrower;

6 , go to the Construction Committee for mortgage registration;

7. The Construction Committee issues other rights certificates;

8. Go through insurance, notarization and other procedures as appropriate;

9. The bank transfers the loan directly to the account specified in the contract;

10. The borrower repays principal and interest according to the provisions of the loan contract.

The above is the relevant knowledge about "What materials are needed for the Postal Bank mortgage loan interview? What is the real estate mortgage loan process?" For Postal Bank, you need to understand the relevant details when applying for a mortgage, especially Pay attention to the specific process of the interview, and prepare relevant materials and certificates in advance for the interview.