1. A China citizen who has a fixed residence, a resident account or a reasonable residence permit in the city where the loan bank is located, is under 65 years of age (inclusive) and has full civil rights capacity;

2. Have a job and a stable income, and have the ability to repay the principal and interest on time;

3. Have a good personal credit record and repayment intention, and no bad credit record;

4. Being able to provide reasonable and reliable loan guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose meets the relevant requirements.

These are the conditions for the Postal Savings Bank to lend 300,000 yuan.

Introduction of bank loan

Bank loan refers to an economic behavior that financial institutions give property to people who need assets at a certain annualized interest rate according to China's policies and repay it within the agreed time limit. Banks generally require borrowers to find a third-party guarantee or house mortgage, or provide personal income certificates and personal high-quality credit reports before they can apply. Moreover, the development of different countries and countries is different, and the types of loans classified according to various standards are also different. This article is mainly about what conditions the Postal Savings Bank needs for a loan of 300,000 yuan. The content is for reference only.

2. What's the interest on the 300,000 yuan loan from the Postal Savings Bank?

How much interest does the Postal Savings Bank have for 300,000?

The total amount of a commercial loan we handled at the Postal Bank was 300,000 yuan. If the repayment interest of our Postal Savings Bank is 5%, 30. 1 10,000 yuan will be repaid10.5 million yuan. The 5% interest of the Postal Savings Bank is also a kind of help and a very good choice for our small and micro enterprises.

Third, hurry! How much does the Postal Savings Bank need to borrow 300,000 yuan?

The Postal Savings Bank handles the fees, unless your own conditions do not meet the loan requirements, and you personally want to pay the fees to the loan officer, then it depends on your own situation.

4. What are the procedures for the Postal Savings Bank to loan 300,000 yuan?

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, the guarantor as a guarantee:

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 6,543,800 yuan, with a term of one year, and the principal and interest are paid in equal amount, and the interest is 37,784 yuan.

Seven, characteristic advantages:

1, quick loan:

If no mortgage is needed, the loan will be released in 2-3 days;

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;

Equal principal and interest repayment method;

Repayment of principal and interest by installments has a grace period of six months, and only interest is paid in the first six months. After the expiration of the grace period, it will be repaid by standard matching principal and interest.

4. Flexible mortgage and guarantee methods:

Mortgaged real estate: including individual commercial houses, writing rooms, bottom shops, villas, etc.

Ownership of property rights: personal property under the names of borrowers, spouses 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.