Treatment process

It is only necessary for the borrower to form a joint guarantee team or find a guarantor (official employees of state enterprises and institutions), and bring the ID cards, household registration books and marriage certificates of both husband and wife of the borrower (unmarried proof materials are required).

In this case, businesses also need to bring their business licenses, tax registration certificates and store lease contracts, and apply to the outlets that provide small loans together for investigation and approval. After signing the contract, they can get a loan.

Extended data:

Conditions for applying for a pioneering loan from postal bank:

1. Basic information: husband and wife ID card, household registration book and marriage certificate.

2. Business information: business license, tax registration certificate, organization code certificate, account opening license, franchise license, business premises lease contract, and bank flow.

3. Other information: property certificate, land certificate, driving license and other asset information.

4. If there is a guarantor, the original and photocopy of the guarantor's ID card and the income certificate issued by the work unit shall also be submitted.

Postal savings bank business loan application process:

1, get all the information ready;

2. Dongguan Branch of Postal Savings Bank or Dongguan Branch of China Merchants Bank apply for a loan;

3, the loan bank to review the loan;

4. Department audit;

5. Lending banks issue loans.

Baidu Encyclopedia-Postal Savings Bank Loan Business

Postal Bank of China official website-Real Estate Mortgage Personal Business Loan