1. First, the customer applies for a loan.
2, prepare the required materials:
(1) Small loan application form;
(2) The original and photocopy of my valid identity certificate;
(3) proof that I have a permanent residence in the local area or have lived for one year;
(4) Other materials required for handling loans;
(5) Marriage certificate or marriage certificate.
3. After the salesman of the Postal Savings Bank accepts it, the loan specialist will go to the production and business premises and family residence of the loan applicant for on-the-spot investigation, and then submit the relevant materials to the examination and approval personnel. If it is approved, you will be informed to sign a loan contract with the relevant personnel, and you can get a loan after signing the loan contract.
Extended data:
Repayment method:
One-time repayment of principal and interest, that is, one-time repayment of loan principal and interest at maturity, is only applicable to small loans for merchants within 3 months (inclusive) and small loans for farmers within 4 months (inclusive);
Equal principal and interest repayment method, that is, equal repayment of loan principal and interest every month within the loan term;
Repayment of principal and interest by installments, that is, only the loan interest is repaid during the grace period of the loan, and then the loan is repaid according to the equal principal and interest repayment method after the grace period. Small loans for merchants, with a maximum grace period of 4 months; For farmers' small loans, the longest grace period of loans is 10 month. Provincial branches should reasonably determine the longest grace period of local loans according to the agricultural production cycle or capital turnover.
Remarks: The above repayment methods vary from region to region. Please consult your local Postal Savings Bank for details.
References:
Postal Savings Micro-credit —— Baidu Encyclopedia