Hello, you can come to the Postal Savings Bank. I am the head of the credit business department of the Postal Savings Bank. I have a guarantor loan and a three-family joint guarantee unsecured loan. If the information is complete, I can lend money within three days at the earliest. The policy is wider than other banks, and the interest rate is lower. The mobile phone number of the user name is my contact information. For detailed consultation, you can check my user information and click on my user name.

I. Product definition:

Short-and medium-term business loans issued by China Postal Savings Bank to private entrepreneurs (natural persons) with real estate as collateral or guarantor as guarantee.

Second, the loan object:

1. Private entrepreneurs: including individual industrial and commercial households, sole proprietorships, partnership partners and shareholders of limited liability companies;

2. Age, 18-60 years old, excluding Hong Kong, Macao and Taiwan;

3. Self-employed and wholly-owned enterprises must be legal representatives; Partners or shareholders holding more than 30% of the shares;

4. Legal business procedures, business license, tax registration certificate and organization code certificate;

5. Operating years: generally 65,438+02 months, and 6 months with particularly good reputation;

6. Place of business: local.

Three. Loan amount:

The minimum credit line of a single borrower is 654.38+ten thousand yuan, and the maximum is 1 ten thousand yuan.

Four. Loan term:

At least one month, at most five years, and there is no penalty for prepayment.

Verb (abbreviation for verb) loan type

1, personal business loan secured by real estate;

2. Small loans guaranteed by guarantors:

There are two guarantors as guarantee, and the maximum loan amount is 654.38 million yuan, without mortgage.

3. Jointly guaranteed loans:

Three private entrepreneurs with business licenses form a joint guarantee group, and the members of the group bear joint guarantee responsibilities, and each person can get a loan of 654.38+10,000 yuan, * * * 300,000 yuan.

VI. Features and Advantages:

1, low loan interest rate:

6.903% within 1 year (inclusive); 1 to 3 years (inclusive) 7.02%; 3 to 5 years (inclusive) 7.488%.

Example: The loan is RMB 6,543,800+0,000, with a term of one year. The principal and interest are repaid in equal amount, and the interest is RMB 37,784.

Seven, characteristic advantages:

1, quick loan:

* Unsecured small loans, with 2-3 days to lend;

* Commercial loan for real estate mortgage, loan 15 working days.

2. Revolving line and loan-as-you-go repayment:

After the credit line is determined, it can be recycled within five years.

For example, the credit line of the borrower approved by the Postal Savings Bank is 6.5438+0 million yuan, and the borrower is like a credit card with a credit line of 6.5438+0 million yuan, which can be used at any time and returned with the loan.

3. The repayment method is flexible:

* One-time repayment of principal and interest, applicable to loans within 6 months;

* Matching principal and interest repayment method;

* Repayment of principal and interest by equal installments, with a grace period of 6 months, and only interest will be paid in the first 6 months. After the grace period, it will be repaid in the standard way of matching principal and interest.

4. Flexible mortgage and guarantee methods:

* Mortgaged property: including individual commercial houses, writing rooms, shops on the ground floor, villas, etc.

* Ownership of property rights: personal property under the names of the borrower, his spouse and their immediate family members (parents, children, brothers and sisters).

* Mortgage rate: up to 60% of the mortgaged property.

* Location: local administrative district.

5. Transparent professional service process.

6. Advocate a sunny and transparent credit civilization, and require credit personnel to strictly abide by the rules and regulations of "Eight Prohibitions" to provide efficient and high-quality services for borrowers.

7. Twenty-four outlets in cities, suburbs and counties accept loan business, which is convenient for borrowers to apply nearby.

Eight, apply for loans need to submit materials:

1. Identity certificate: ID card of the loan applicant, spouse ID card (if married), household registration book, marriage certificate or other identity certificates;

2. Legal business procedures: business license, tax registration certificate, organization code certificate, etc.

3. Mortgage information: real estate license, deed certificate and land use right certificate of the mortgaged property;

4. Enterprise or financial records: bank statements of settlement accounts of enterprises or individuals in the past six months, recent tax payment certificates and other documents reflecting repayment ability or asset strength.