1. What types of loans does Postal Savings Bank of China offer?

There are many, including personal business loans and personal consumption loans. Personal business loans are divided into Post Loan-Jisui Loan, Zhengdai Tong, Shang Dai Tong, Agricultural Loan Tonghe and other regional specialty products. . Personal consumption loans are divided into car loans, personal education loans, personal comprehensive loans, etc. The biggest difference between them is that the former one is for self-employed people, industrial and commercial households, etc. to improve their lives.

For enterprises, there are working capital loans, fixed asset loans, open credit business, and entrusted loans. , syndicated loans. The types of these loans are very different. The most common point is that they are only issued to enterprises and individuals cannot apply.

Take working capital loans as an example. It is based on the company's capital needs during the public period. The purpose of the loans is to maintain the company's normal production and good quality customers. It can also provide revolving loan business, as well as Just go for approval if you want to use it. After approval, you can use it according to your needs. If you don’t want to use it, you can pay it back, saving some interest expenses. You don’t have to apply again when you want to use it. The maximum amount is agreed upon. During the period, it can be issued as many times as needed and in installments. It can be returned and used repeatedly, which is very flexible and provides a lot of convenience.

2. Types of Postal Savings Bank’s microfinance business

Hello, at present, Postal Savings Bank’s personal credit business includes personal, personal business loans, personal housing loans, and personal business loans. Mortgage loans, personal comprehensive consumption loans, personal automobile consumption loans, and personal credit consumption loans, but the types are not uniform in different places. For specific suggestions, you can confirm with the local credit department what loans are available in your area. Hope my answer helps you.

3. What are the categories of Postal Savings Bank loans? Introduction to Postal Bank loan business

Among the mainstream types of bank loans, Postal Bank loans are the most popular type. Naturally, It has also become the focus of public attention. Among them, it is the most famous, and users pay more attention to it. So besides the postal service, what other loan services are there? What types of Postal Savings Bank loans are there? Postal Savings Bank’s personal credit business includes: personal, personal business loans, personal housing loans, personal commercial housing loans, personal comprehensive consumption loans, personal automobile consumption loans, and personal credit consumption loans, but the ones carried out in various places If the types are not uniform, it is recommended to check with the local credit department to determine what loans are available in your area. There are also small loan businesses under the large loan categories. The following is a branch introduction to the personal credit business mentioned above. Easy to borrow and repay "Personal operating loan, Personal personal business loan, Jiaxin Jiamei", Personal consumption loan, Personal housing loan, Personal commercial housing loan, Personal comprehensive consumption loan, Personal car consumption loan, Personal credit consumer loan, Corporate credit business, Business property mortgage loan unit Time deposit certificate, working capital loan, fixed asset loan, syndicated loan, real estate development loan, small business domestic factoring, small business chattel, small business corporate loan

4. What are the types of Postal Savings Bank loans?

1. Farmer joint guarantee loan: refers to three to five farmers who form a joint guarantee group and no longer need other guarantees to apply for a loan from the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 80,000 yuan.

2. Guaranteed loans for farmers: Refers to farmers who only need one or two (the number of people depends on the loan amount) to have a regular postal savings bank loan business

3. Postal Savings Bank loan business

People with stable income as loan guarantors can apply for loans from Postal Savings Bank. The maximum loan amount for each farmer is temporarily 80,000 yuan.

Merchant joint guarantee loan: refers to three individual industrial and commercial households or sole proprietorship owners with business licenses who form a joint guarantee group. They no longer need other guarantees and can apply for a loan from the Postal Savings Bank. The maximum loan amount for merchants is temporarily 100,000 yuan (200,000 yuan in some areas).

4. Merchant Guaranteed Loan: Refers to individual industrial and commercial households or sole proprietorships with business licenses, as long as one or two (the number of people depends on the loan amount) people with fixed occupations and stable incomes act as loan guarantors. You can apply for a loan from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 100,000 yuan (200,000 yuan in some areas).

5. Time deposit certificate loan: refers to a loan that allows you to enjoy 90% of the time deposit by holding a time deposit certificate of your own or other people's postal savings (the repayment period must be before the time deposit certificate expires).