Hello, the merchants of Postal Savings Bank are used for the business and turnover of merchants and small business owners. The borrower must have a business license, have been in normal operation for more than one year, be aged between 18-60, have a local household registration or live in the local area for more than one year, and need to provide 1 to two natural persons for guarantee. Guarantors are required to be civil servants, teachers, doctors and other groups with stable income. Or form three joint guarantee groups. If all conditions are met, the maximum loan amount can be less than 6,543,800 yuan. If the loan applicant can provide all his (* * *) houses as collateral, he can apply for a comprehensive personal consumption loan.

2. What are the conditions for a loan from the Postal Savings Bank?

1. The applicant must be between 18-65 years old and have full capacity for civil conduct. Before the loan expires, the applicant shall not be over 60 years old. 2. In local loans, you need to have a fixed place of residence, preferably a residence permit or temporary residence permit. 3. Stable work, stable income and sufficient repayment period. 4. The borrower has a good credit status and no record of breach of contract or other bad habits. 5. If it is a mortgage loan, you must also provide collateral recognized by the bank. For more loan conditions of the Postal Savings Bank, please go to:/ask/1c26301615839628.html? Zd view more content

3. What conditions do postal enterprises need for interest-free loans?

1. A natural person with valid identity documents, with full capacity for civil conduct, is under 50 years of age.

2. Hold ICBC, tax registration certificate and relevant business license.

3. There are principal and interest of development funds in the market.

4. Good debt record, and can provide mortgage, pledge or guarantee approved by the bank.

5. Institutions should have fixed residences and business premises.

6. The bank has a clearing account and applies through the bank account every day.

7. Other conditions required by the bank.

The interest-free loan of the Postal Savings Bank is a loan to encourage entrepreneurship. The mortgage loan of Postal Savings Bank can reach 60% of real estate assessment's (the lowest is $6,543,800 and the highest is $6,543,800). In order to recover and repay the loan, thus saving financial costs.

The mortgage loan of Postal Savings Bank can reach up to 60% of the value of real estate assessment, and the loan can be recovered and repaid within the validity period, saving financial costs.

To apply for a three-year interest-free postal savings loan of 654.38 million yuan, the lender needs to be 18 years old-this is a loan set up to encourage entrepreneurship. When applying for a loan, the lender needs to have the business license, tax registration certificate and related businesses issued by the administrative department for industry and commerce.

In addition, the legal person industry of the lender needs to have certain development or competitive potential in the market, and the lender can repay the loan on a regular basis. The personal credit record of the lender shall not have bad records, and the debt ratio shall not be higher than 30%. They need to be able to provide bank-approved guarantees, mortgages or pledges.

The institution where the lender works should have a fixed domicile, and the company should have a fixed business place. It is necessary to set up a clearing account in the Postal Savings Bank, and all expenses of the company should be withdrawn from this account. Meet other loan conditions stipulated by the bank.

Under normal circumstances, it meets the credit line of 0% of the three-year interest-free loan conditions of the Postal Savings Office of 65438+ ten thousand. If the lease term of the lender cannot exceed 15 years.

Postal savings business is a loan product launched by China families (small business owners). Farmers are short-term loans granted to farmers to meet their needs.

Businessmen refer to loans granted by private entrepreneurs (including sole proprietorships, partnerships, partners, etc.). ), individual industrial and commercial households, urban self-employed households and other small business owners engaged in production and trade in urban and rural areas to meet their production and operation capital needs.