Personal small short-term credit loans refer to RMB credit loans with a term of less than 1 year and an amount of less than 20,000 yuan, which are used to solve the temporary consumption needs of borrowers without guarantee. \ x0d \ x0d \ The borrower is a China citizen who has a fixed residence in China, a fixed residence in a local town (or a valid residence certificate) and has full capacity for civil conduct. \ x0d \ x0d \ The borrower applying for personal small short-term credit loan must meet the following conditions: \ x0d \ x0d \ 1, a citizen of China who has a fixed residence in China, a fixed residence in a local town (or a valid residence certificate) and has full capacity for civil conduct; \x0d\\x0d\ 2。 Have a legal occupation and stable economic income (monthly salary income should be more than 65,438+0,000 yuan), and have the ability to repay the loan principal and interest on schedule; \x0d\\x0d\ 3。 The borrower's unit must be an administrative, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and the lender will pay wages on its behalf; \x0d\\x0d\ 4。 Law-abiding, no illegal acts and bad credit records; \x0d\\x0d\ 5。 Open a credit card or current savings account in a bank; \x0d\\x0d\ 6。 Sign an agreement with the lender to deduct the loan from his credit card or current savings account; \ x0d \ x0d \ 7。 Other conditions stipulated by the lender. \ x0d \ x0d \ II。 Loan Term and Interest Rate \ x0d \ x0d \ (1) The term of personal small short-term credit loan is below 1 year (inclusive). \ x0d \ x0d \ (II) The interest rate of personal small short-term credit loans shall be subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range shall be subject to the relevant regulations of the People's Bank of China. In case of interest rate adjustment during the loan period, the contract interest rate will be implemented, and interest will not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months. \ x0d \ x0d \ (3) The starting point of personal small short-term credit loan is 2,000 yuan, and the loan amount shall not exceed 6 times of the borrower's monthly salary, and the maximum amount shall not exceed 20,000 yuan. \ x0d \ x0d \ (4) Personal small short-term credit loans are generally not granted. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended once with the consent of the lender, and the cumulative loan period shall not exceed 65,438+0 years. The interest before the extension shall be paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest will be calculated according to the 1 year loan interest rate listed on that day from the date of extension. \x0d\\x0d\ III。 Apply for a loan \ x0d \ x0d \ When applying for a loan, the borrower shall provide the following information to the lender: \ x0d \ x0d \ 1. Approval form for loan application; \x0d\ x0d \ 2。 I have a valid ID card \ x0d \ x0d \ and a small loan for postal savings can also be considered. \ x0d \ Postal savings micro-loan business is a loan product for farmers and merchants (small business owners) launched by China Postal Savings Bank. \x0d\ business type \x0d\ ◆ Farmers' joint guarantee loan: refers to a joint guarantee team composed of 3 to 5 farmers who 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). ◆ Deposit certificate loan: It means that the holder of the deposit certificate of postal savings or others can enjoy 90% of the loan of the deposit certificate (the repayment period must be before the maturity of the deposit certificate) \x0d\ Edit the handling process in this paragraph \x0d\ Only the borrower needs to form a joint guarantee team or find a guarantor, bring his ID card, and if the merchant needs to bring a business license, he can apply at the outlets opened by microfinance together, be investigated, approved and sign a contract. \x0d\ Edit the repayment method in this paragraph \x0d\ ◆ One-time principal and interest repayment method ◆ Equal principal and interest repayment method ◆ installment repayment method (only interest will be repaid during the grace period, and the loan will be repaid by equal principal and interest repayment method after the grace period). 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. Note: The specific product information and business process shall be subject to the announcement of the local postal savings institution. Rural credit cooperatives handle professional investment management of personal unsecured loans and provide investment loans to the society through intra-bank cooperation. \x0d\ Edit the loan target of this paragraph \x0d\ Same-day loan between individuals and enterprises (mortgage-free, guarantee-free, convenient, fast and confidential) 1: personal loan (credit loan), loan amount (1 000-200,000), and term1 Requirements: (1) I need to provide a copy of my valid certificate (such as ID card and household registration book), detailed home address and home fixed telephone number. Requirements: (b) At the same time, the company requires the applicant to submit relevant materials, verify the submitted materials and submit them for approval. 2. Corporate loan: loan amount (65438+ million-500,000), term (1-3 years), loan interest rate: monthly interest rate (1.8%). Requirements: (1) Copy of business license, tax registration certificate, organization code certificate and legal representative's ID card. Requirements: (b) At the same time, the company requires the applicant to submit relevant materials, verify the submitted materials and submit them for approval, and make payment within 1-2 days at the earliest. 3. Self-employed loan: loan amount (65438+ million-500,000), term (1-3 years), loan interest rate: monthly interest rate (1.8%). Requirements: (1) 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 clear answer on whether to approve the funds within 1 hour.