Postal savings bank loans only need borrowers to form a joint guarantee team or find guarantors (formal employees of state enterprises and institutions), and bring their spouses' ID cards, household registration books and marriage certificates (unmarried proof materials are required). In this case, businesses also need to bring their business licenses, tax registration certificates and store lease contracts, and apply to the outlets that provide small loans together for investigation and approval. After signing the contract, they can get a loan.

Extended data

1. Bank is a legally established financial institution engaged in monetary credit business, which is the product of the development of commodity monetary economy to a certain stage. Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities. The word "bank" comes from Banca, Italy. Its original meaning is bench and chair, which is the business appliance of the earliest money changer in the market. English translation into Bank means the cabinet for saving money. In China, it is called "bank" because of the history of China's economic development. In the history of our country, silver has always been one of the main monetary materials. "Silver" often represents money, while "bank" is the title of large commercial organizations. Calling a large financial institution dealing with money a bank was first seen in the Book of History by Hong Ren of the Taiping Heavenly Kingdom.

Two. Types of loan business of Postal Savings Bank

1. Household joint guarantee loan means that 3 to 5 households form a joint guarantee team and can apply for a loan from the Postal Savings Bank without other guarantees. The maximum loan amount for each farmer is temporarily 80,000 yuan.

2. Farmers' joint loan means that farmers can apply for loans from the Postal Savings Bank as long as they have 1 to 2 (depending on the loan amount) people with fixed jobs and stable income as their loan guarantors, and the maximum loan amount for each farmer is temporarily 80,000 yuan.

3. Merchant's joint guarantee loan means that three individual industrial and commercial households or owners of sole proprietorship enterprises with business licenses form a joint guarantee team, and they can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 654.38 million yuan (200,000 yuan in some areas).

4. Merchant-guaranteed loans refer to individual industrial and commercial households or individual industrial and commercial households with business licenses. As long as one or two (the number depends on the amount of loans) have a fixed job and a stable income as their loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas).

5. The term "time deposit loan" refers to the loan of 90% of the time deposit for those who hold the time deposit of postal savings by themselves or others (the repayment period should be before the maturity of the time deposit).