1. At present, the micro-loans of the Postal Savings Bank include two types: farmers' loans and micro-enterprise owners' loans (commonly known as merchants' loans). There is no need for mortgage, and the longest loan period is one year. According to the different guarantee methods, it can be divided into farmers' joint guarantee, farmers' guarantee, merchants' joint guarantee and merchants' guaranteed loans.
Credit line: farmers 1000-50000, merchants 1000- 10000.
Farmers' joint insurance: 3 households and 5 households can be insured. (No need to find a guarantor)
Farmer's guarantee: You can find a strong farmer's guarantee below 10000. 1, 000 to 30000 need to find 1 a guarantor with a fixed job, and 30000 to 50000 need two.
Joint guarantee of merchants: 3 households can guarantee (no need to find a guarantor)
Merchant's guarantee: 1 guarantor with a fixed job is required for those below RMB 30,000, and 2 guarantors are required for those below RMB 30,000 -65438+ 10,000.
Second, the loan object, conditions and purposes
1. Farmers: farmers or self-employed individuals with full capacity, good health, labor productivity and trustworthiness.
2. Merchant: a merchant with an industrial and commercial business license (more than three months, the name of the business license is the borrower), a fixed place of production and operation, and a profitable operation.
3. Age 18-60 years old, with local hukou or living in the local area for one year; Farmers must be married and have more than two laborers;