Hello, micro-loan: the micro-loan of farmers in Postal Savings Bank is a loan for rural planting, breeding and other production and business purposes. The borrower must be married, have more than two laborers in his family, be between the ages of 18 and 60, have a local household registration or have lived in the local area for more than one year, and have more than one year of planting and breeding experience. At the same time, 1 to 2 natural persons are required to provide guarantees. Guarantors require people with stable income, such as national civil servants, teachers, doctors, etc., or form a joint guarantee team of 3 to 5 households. If all the conditions are met, the maximum loan amount can be less than 50 thousand yuan. Small loans for merchants of the Postal Savings Bank are used for the operation and turnover of merchants and small and micro business owners. The borrower is required to have a business license, have been operating normally 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 to two natural persons as a guarantee. Guarantors are national civil servants, teachers, doctors and other groups with stable income. Or form three joint guarantee groups. When all conditions are met, the maximum loan amount can be less than 6,543,800 yuan. Pledged loan: Pledge the unexpired lump-sum time deposit certificate of the Postal Savings Bank; Commercial loan: it requires a business license to operate normally for more than one year, and a real estate mortgage; Personal comprehensive consumption loan: it needs to be mortgaged by the house owned by the borrower; Personal housing loan: the main guarantee is the housing purchased by the borrower. The housing age does not exceed the fixed number of years stipulated by the local postal savings bank, and the mortgage registration can be handled in the local housing management department; Personal commercial housing loan: secured by the mortgage of the purchased house.