The Postal Savings Bank’s small loan requires five steps:
Submit an application - on-site investigation - review and approval - sign the contract - loan. Regarding the application materials, you need to prepare: small loan application form; the original and copy of the applicant's valid ID card; the applicant's local permanent residence booklet or proof of business and residence for one year; other materials required for the loan. In addition, if you apply for a merchant small loan, you also need to provide:
The original and copy of the business license that has passed the annual inspection; if you are engaged in franchising, you should also provide the original and copy of the business license from the relevant administrative department
If neither the property rights certificate of the business premises or the lease contract (agreement) can be provided, the property rights and lease relationship of the business premises should be confirmed through a third party; if there is no property rights certificate in rural areas, it is not necessary to provide it. Under normal circumstances, if you handle small loan business by yourself, no mortgage is required. You can apply at a local Postal Savings Bank branch that provides small loan services or log in to online banking to apply online. You can get the bank's approval results in as fast as 3 working days. .
Small loans
It is a comprehensive consumer loan focusing on individuals or enterprises. The loan amount is generally more than 10,000 yuan and less than 200,000 yuan. The application process generally requires a guarantee. Microfinance is an extension of microfinance in terms of technology and practical application.
Post personal small loan period
The small loan period is measured in months, with the minimum being 1 month and the maximum being 12 months. Loan customers can choose the loan term independently according to their own production and operation cycle, repayment ability and other conditions. For joint guarantee loans, the joint guarantee loan agreement has a term of 2 years, and the loan application date and expiration date must be within the validity period of the joint guarantee agreement.
How to get a postal personal small loan? What are the classifications of postal savings small loans?
Farmer small loans are issued to farmers to meet their agricultural planting, breeding or production Short-term loans for business needs. Among them, farmers' joint guarantee loans: refers to three to five farmers who form a joint guarantee group and no longer need other guarantees, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 50,000 yuan. Guaranteed loan for farmers: Refers to farmers who only need one or two (the number of people depends on the loan amount) people with fixed occupations and stable incomes as loan guarantors. They can apply for a loan from the Postal Savings Bank. Each farmer's The maximum loan amount is temporarily RMB 50,000.
Merchant small loans refer to private business owners (including sole proprietors, partnership partners, individual shareholders of limited liability companies, etc.) engaged in production, trade and other sectors in urban and rural areas, individual industrial and commercial households and urban residents. Loans issued by small business owners such as self-employed individuals to meet their production and operation capital needs. Among them, 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 each merchant is Temporarily it is 100,000 yuan (200,000 yuan in some areas). 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).
Postal Bank’s small loans are targeted at a very wide range of people, and both individuals and businesses have corresponding loan businesses. How to get a postal personal small loan? Have you mastered the steps of the postal personal small loan flow chart? The process of applying for a postal personal small loan is also different for different people.
Legal Basis
Article 426 of the Contract Law
If an intermediary facilitates the establishment of a contract, the principal shall pay remuneration in accordance with the agreement.
Provisions on loan agreements:
Article 10 of the "Several Opinions of the Supreme People's Court on the Trial of Loan Cases by People's Courts"
One party uses fraud, coercion or other means or takes advantage of others' danger to cause the other party to The lending relationship formed against the true intention shall be deemed invalid.
Article 11 of the "Several Opinions of the Supreme People's Court on the Trial of Loan Cases by the People's Courts"
The lender knows that the borrower is borrowing money for illegal activities, and the lending relationship is not be protected.