I. Conditions of Postal Microfinance

Postal microfinance is a kind of financing service provided by postal bank for small and medium-sized enterprises, and it is an important way for small and medium-sized enterprises to obtain funds. The loan conditions of postal microfinance are the premise of applying for loans and the basis for banks to review loans, which mainly include:

Second, the enterprise qualification conditions

First of all, enterprises applying for postal microfinance must have formal enterprise qualifications, that is, enterprises must have valid business licenses, tax registration certificates, organization code certificates, legal representative identity certificates and other documents.

Three. Use of loan funds

Secondly, enterprises applying for postal micro-loans must make clear the purpose of loan funds and meet the loan conditions of banks. The use of loan funds must be legal, and shall not be used in violation of relevant laws and regulations.

Four. Subsidiary conditions

Thirdly, enterprises applying for postal microfinance must provide collateral, and the value of collateral must be higher than the loan amount. Generally speaking, collateral must have certain liquidity and certain value.

Verb (abbreviation of verb) credit conditions

An enterprise applying for postal microfinance must have a good credit record, and the applicant must be able to provide a good credit report to prove its good credit status.

The guarantee condition of intransitive verbs

Enterprises applying for postal micro-loan must provide effective guarantee, the guarantor must have a good credit record, and the guarantor must have certain financial strength to ensure the safety of the loan amount.

In a word, the application conditions of postal microfinance are very strict, and applicants must be able to meet the above conditions in order to obtain postal microfinance.