1. What are the conditions and procedures for the loan from Postal Bank?

The conditions and procedures of the postal bank loan are as follows:

1. The conditions required for the postal savings bank loan are:

1. Chinese mainland residents who have reached the age of 18;

2. Having a stable address and place of work or business operation;

3. Have a stable source of income;

4. There is no bad credit record, and the loan can't be used for stock trading or gambling.

5. Other conditions required by the bank.

2. The loan process of Postal Savings Bank is as follows:

Signing a real estate sales contract → submitting a loan application → conducting bank investigation and approval → signing a loan contract → handling property transfer → implementing loan guarantee conditions → issuing loans by the bank → monthly repayment by the borrower.

Extended information:

Advantages of Postal Savings Bank loan:

1. Optimization of repayment method (monthly interest repayment, principal repayment at maturity).

2. The loan can be used for any purpose.

3. The loan amount is large, the payment time is fast and the process is short.

4. You can repay the loan in advance without penalty.

5. The loan term is long, and the procedures are quick and simple.

6. Whether it is successful or not, the bank itself does not charge any fees.

second, what are the loan conditions of the postal bank?

The loan of the postal savings bank must be mortgaged or guaranteed, and it is impossible to borrow money at the postal savings bank without guarantee. Postal savings bank loans are mainly secured by real estate, including personal housing and commercial housing, as well as other collateral required by Postal Savings Bank. Postal savings bank loans require the following conditions: 1. A natural person aged 18-6 with full capacity for civil conduct. 2, approved by the administrative department for Industry and commerce registration, and have a fixed place of production and business operation, individual proprietorship, individual industrial and commercial households, partnership owners or individual shareholders of limited companies. 3. There is collateral. Article 19 Obligations of the Borrower in the General Principles of Loans: 1. The Borrower shall truthfully provide the information required by the Lender (except those that cannot be provided by law), and truthfully provide the Lender with all bank accounts, account numbers and balance of deposits and loans, and cooperate with the Lender in investigation, examination and inspection; Two, should accept the lender's supervision of its use of credit funds and related production, operation and financial activities; 3. The loan shall be used for the purposes agreed in the loan contract; Four, should pay off the loan principal and interest in time according to the loan contract; Five, the transfer of all or part of the debt to a third person, shall obtain the consent of the lender; VI. In case of any circumstance endangering the creditor's rights of the lender, it shall promptly notify the lender and take preservation measures at the same time.

third, what conditions should the postal bank enterprise loan meet?

postal bank documents? It is understood that the bank loan for small and micro enterprises is a loan business launched by the Postal Savings Bank for small and micro enterprise owners and individual merchants with repayment ability and capital needs.

borrower's enterprise

1. The borrower has full capacity for civil conduct;

2. Have an industrial and commercial business license;

3. It has a stable bank flow for more than half a year;

4, can;

5. The income of the borrower and the person in charge of the lending institution is stable and legal, and the credit is good;

6. After meeting the above conditions, the local post

can directly bring the relevant loan information to the local Postal Savings Bank for a warm reminder. If the borrower has the conditions, it is easy to apply for a loan from the small and micro enterprises of the Postal Bank. However, if the borrower's conditions do not meet the above requirements, it will be difficult to successfully apply for a loan for small and micro enterprises in the postal bank, and we will not try to apply for a loan.

iv. What are the requirements for the loan of the Postal Savings Bank

Process: submit the materials, conduct preliminary examination, see the house in person, go through the formalities (notarization and mortgage) on the same day after approval, and lend money on the same day.

required materials: id card, household registration book, real estate license, marriage certificate, signature of obligee, income certificate, bank flow, loan purpose certificate, etc. The maximum loan evaluation price is about 7%.

if you choose the Postal Savings Bank, the loan interest rate is the lowest, and the benchmark interest rate of the central bank will rise by 1%. You should provide corresponding documents (ID card, household registration book, marriage certificate (single certificate) and property certificate) and personal credit report in the early stage! Running water in the past six months! Then evaluate the company evaluation! Wait for the bank's approval, then the real estate trading center will do the mortgage (other certificate), and then do the notarization! Final loan! In principle, it is a month's loan! However, there may be funds in the quarter, but in the later period, when the bank has less funds, it will not be easy to lend!