1. Applicant 18-60 years old, in good health, with a local hukou or living in the local area for one year; Having a business license issued by the industrial and commercial department and passing the annual inspection; Normal operation for more than three months; The main business place is within the scope of the city (county) district.
2. Guarantee conditions: If the loan amount is below 654.38+00000 yuan (excluding), you only need to find a guarantor. The guarantor must be a national civil servant, institution, regular employee of large and medium-sized enterprises or a group with relatively stable income such as teachers and doctors. The loan amount is 1 1,000 yuan-1 1,000 yuan. You need to find two guarantors, one of whom must be a national civil servant, institution, regular employee of large and medium-sized enterprises, teachers, doctors and other people with relatively stable income, and the other guarantor must have a fixed occupation or a stable income.
3. Materials to be submitted: the original and photocopy of the ID cards of the applicant and guarantor; Personal income certificate of the guarantor; The original and photocopy of the business license issued by the industrial and commercial department and passed the annual inspection, as well as other materials required by the postal bank.
4. Loan processing flow: find guarantor-apply for branch-submit information-fill in application form-accept investigation-wait for approval-sign loan contract-issue loan.
5. For two customer groups.
1, for farmers, it should be engaged in farming and planting. Get married. Find one or two guarantors, and you can borrow up to 50 thousand.
2, it is aimed at merchants. You should have an industrial and commercial business license and have been operating normally for more than three months. And find one or two guarantors, and the maximum loan can be 654.38+ 10,000.