1. What are the conditions for the loan of the Postal Savings Bank?
The premise is that it has been operating for more than half a year, and it depends on whether it is a local resident. . Some conditions can be relaxed. .
Specific details:
1. Small amount, with a maximum loan amount of 1, yuan for your merchant.
2. Relevant formalities:
Bring your ID card, household registration book (if you want to get married, you need a wife, and a marriage certificate), business photo, and income certificate of the guarantor (for the guaranteed loan method).
3. loan method: joint guarantee loan/guaranteed loan
joint guarantee loan: find three other business friends you know to make a loan together and assume the same responsibilities and obligations
guaranteed loan: find two guarantors, with the conditions of civil servants, doctors, teachers, administrative institutions, etc., and have a stable source of income.
2. What are the requirements for the loan of Postal Savings Bank (specific)?
Hello, the loan of China Postal Savings Bank needs to provide guarantor or collateral; Farmers of Postal Savings Bank are loans for rural planting, breeding and other production and business purposes. The borrower must be married, and there are more than two laborers in the family, aged between 18 and 6, with local hukou or living in the local area for more than one year, with more than one year's experience in planting and breeding. At the same time, it is necessary to provide one or two natural persons as guarantors. The guarantor requires people with stable income, such as national civil servants, teachers and doctors, or form three or five households as joint guarantors. Merchants of Postal Savings Bank are used for businesses and micro-business owners to conduct business and turnover. Borrowers are required to have a business license, be in normal business for more than one year, be between 18 and 6 years old, have a local hukou or live in the local area for more than one year, and need to provide one or two natural persons for guarantee. The guarantor requires people with stable income such as national civil servants, teachers and doctors, or form three joint guarantee groups. If all the conditions are met, the maximum loan amount can be less than 1, yuan.
I hope to adopt
III. What are the requirements for the guarantor of China Postal Savings Bank
What are the procedures for becoming a bank loan guarantor? 1 original and photocopy of the certificate; 2. Wages provided by banks or other vouchers that can prove their income; 3. Express willingness to provide guarantee for the borrower and fulfill the corresponding certificate of ownership relationship. The requirements for becoming a guarantor are as follows: according to the requirements of banks, the requirements of each bank are different. But as a guarantor, the basic condition is that the guarantor needs to provide). (1) The loan object is a natural person with full capacity for civil conduct. (2) Having permanent residence in cities and towns or valid residence status requires the borrower to have legal status. (3) Have a stable occupation and income, good credit and the ability to repay the loan principal and interest. (4) There are some differences among banks in the down payment requirements. (5) There is a loan or a guarantor who meets the prescribed conditions, has the ability to compensate the principal and interest and bears joint liability. (6) Having a house purchase contract or agreement. (7) Other conditions stipulated by the lender.
fourth, the postal bank has an interest-free loan of 1, yuan?
1. Customers apply
First, customers need to fill in an application for a three-year interest-free loan of 1, yuan for postal savings, and provide valid certificates and supporting documents. Then, according to the loan requirements, fill in the materials needed for the postal savings bank to issue loans. Including the borrower himself, spouse, parents and children of both husband and wife, and * * * co-residents (including the spouse's parents, children and * * * co-residents who have opened savings accounts in the bank), or the identity cards, household registration books or other valid identity documents of immediate family members. Then submit the application form and relevant certification materials to the management department of Postal Savings Bank. Usually it can be approved within one working day. After the approval, the applicant will be interviewed.
2. Bank verification information
Under normal circumstances, customers will be required to provide large deposit certificates for 1, three-year interest-free postal savings loans. This is because if you don't have enough proof of deposit, you can't apply for a loan provided by the bank. To handle this kind of loan products, banks need to conduct on-the-spot investigations on customers' loan applications.
if the customer doesn't have much money in the bank, the loan amount will be very small. If the customer deposits more than 2, yuan in the bank, it will not meet the conditions for applying for a three-year interest-free loan of 1, yuan for postal savings. However, customers can only apply for the postal savings 1, three-year non-interest loan product if the loan amount exceeds 2, yuan, but can't use the general loan product.
3. Sign a loan contract
After examination, the customer meets the requirements, fill out the loan application form and submit relevant materials. Relevant departments will conduct approval. After approval, the customer can sign a written contract with the Postal Savings Bank. The rights and obligations of both parties are clearly defined in the contract, including the loan amount, term, interest rate and so on.
4. Transfer of loan funds
After the applicant submits the materials as required, China Postal Savings Bank will inform the loan applicant of the fund account information by SMS. After receiving the information, the applicant needs to transfer the loan funds through the counter of the Postal Savings Bank.