1. Postal savings bank merchants' small loans are used for the operation and turnover of merchants and small and micro business owners. The borrower must have a business license, have been in business for more than half a year, be aged between 18-60, have a local account or have lived in the local area for more than one year, and need to provide 1 or two natural persons as a guarantee. Guarantors require people with stable income, such as national civil servants, teachers and doctors, or form three joint guarantee groups. If all conditions are met, the maximum loanable amount is less than 654.38+ten thousand yuan. 2. The loan guarantee conditions of the Postal Savings Bank; The age requirement is between 18 years old (inclusive) and 60 years old (inclusive), with a local hukou or living in the local area for more than one year; Have a fixed occupation or a stable income, have a legal and reliable source of income, and have the corresponding guarantee ability; If the loan amount is greater than a certain amount and two people need to provide guarantee, 1 They must be national civil servants, institutions, regular employees of large and medium-sized enterprises, teachers, doctors and other people with relatively stable incomes; If it is less than a certain amount, only 1 guarantor or one of the two guarantors is needed, and the conditions can be appropriately relaxed to confirm their stable income or fixed occupation. For example, individual industrial and commercial households can also serve as guarantors; The economy between the guarantor and the borrower's family must be independent of each other. 3. Whether the loan applicant can pass the loan application, and the loan amount, term, interest rate and repayment method that can be obtained through the application, the local branch of the Postal Savings Bank will comprehensively consider the national housing credit policy and the credit status of the loan applicant.