Credit loan of 500 thousand is still very simple, as long as there is a normal job, basically no problem! Of course, I mean good credit reporting! If you have a full house or mortgage house under your name, the maximum amount of 300 is acceptable!

Second, the personal available credit loan is 500,000 yuan.

For example, "If a person's annual salary is 6.5438+million, the real estate value is 400,000 and the deposit is 6.5438+million, then our bank can make an unsecured loan of 6.5438+million."

For customers with good credit, the loan interest rate can be up to 10%.

"Banks can also give SME owners no guarantee or mortgage, plus a credit line, and the maximum loan can reach 500,000."

3. Can the Postal Savings Bank have loans guaranteed by civil servants from two countries? How much can I borrow at most? How to repay the loan?

Credit loan business introduces short-term loans granted by China Postal Savings Bank to farmers and merchants (small business owners) to meet their agricultural planting, breeding or production and operation needs. Businessmen refer to private business owners engaged in production and trade in urban and rural areas (including small business owners such as sole proprietorships, partnership partners and individual shareholders of limited liability companies) with full loans. Business Type ◆ Farmers' Joint Guarantee Loan: It means that 3 to 5 farmers form a joint guarantee team and can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each household is temporarily 50,000 yuan. ◆ Farmers' guaranteed loan: refers to farmers who can apply for loans from the Postal Savings Bank as long as one or two people whose income is determined according to their loans serve as their loan guarantors. The maximum loan amount for each farmer is tentatively set at 50,000 yuan. Merchants' joint guarantee loan: refers to three individual industrial and commercial households or owners of sole proprietorship enterprises with business licenses, who can apply for loans from the Postal Savings Bank as long as they need other guarantees. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). ◆ Merchant-guaranteed loan: refers to the owner of an individual industrial and commercial household or a sole proprietorship enterprise with a business license. As long as one or two people (whose income is determined according to their loan funds) are the loan guarantors, they can apply to the Postal Savings Bank for a loan with a temporary amount of 654.38+10,000 yuan (200,000 yuan in some areas). For the process, the borrower only needs to form a joint insurance team or find a guarantor and bring his ID card. If businesses also need to bring their business licenses, they can apply to the opened outlets together, be investigated, and get a loan after approval. The loan term can be obtained within 3 days at the earliest (after signing the contract), and the shortest is 1 month. The loan customer can choose the loan term independently according to the strength and other conditions. The term of the payment agreement is 2 years, and the application date and maturity date of the loan must be the materials required for the loan business. (1), 1. Valid certificate of the borrower? (2), the borrower's local permanent residence or proof of local residence for one year. ? (3) Customers applying for merchant loans must provide business licenses that have passed the annual inspection. Engaged in licensed business, it shall provide the original and photocopy of the business license of the relevant administrative department. ? (4) If the loan requires proof or guarantee of the property right of the business premises, submit the original ID card of the guarantor and the written commitment to provide the guarantee issued by the guarantor (the current product does not need to be issued, just sign a joint guarantee agreement and a guarantee contract); Where mortgage or pledge is involved, it is necessary to provide the ownership certificate of mortgage or pledge right and the written certificate that the authorized person agrees to mortgage (pledge). ? (6) If the business license has been applied for less than three months, but it has been in normal operation for more than three months, and the operation is in good condition, relevant purchase and sale certificates shall be submitted. ? (7) Other materials required by the lender. ? Repayment method ◆ One-time repayment method of principal and interest ◆ Equal repayment method of principal and interest ◆ Installment repayment method (only interest will be repaid during the grace period, and the loan will be repaid by equal repayment of principal and interest after the grace period). Remarks: Before the maturity date of the loan principal and interest, the borrower needs to deposit enough funds in the postal savings account where the loan is issued, which will be deducted automatically by the computer system.