1. How many guarantors are needed for the loan of Postal Savings Bank

Introduction of Postal Savings Business

Postal Savings Bank of China is a loan product for farmers and merchants (small business owners). Farmers are short-term loans issued to farmers to meet their agricultural planting, breeding or production and operation needs. Merchants refer to loans issued by private entrepreneurs (including sole proprietorships, partnership partners, individual shareholders of limited liability companies, etc.), individual industrial and commercial households, urban self-employed individuals and other small business owners engaged in production and trade in urban and rural areas to meet their production and operation capital needs.

Business type:

◆ Farmers' joint guarantee loan: refers to that three to five 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 farmer is temporarily 5, yuan.

◆ Farmers' guaranteed loan: refers to farmers, who can apply for loans from the Postal Savings Bank as long as one or two (depending on the loan amount) people with fixed jobs and stable income are their loan guarantors, and the maximum loan amount for each farmer is 5, yuan temporarily.

◆ Joint guarantee loan for merchants: refers to a joint guarantee team formed by three individual industrial and commercial households or sole proprietorship business owners with business licenses, and they can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 1, yuan (2, yuan in some areas).

◆ Merchant-guaranteed loan: refers to an individual industrial and commercial household or sole proprietorship owner with a business license, who can apply for a loan from the Postal Savings Bank only by having one or two people (the number depends on the loan amount) who have a fixed occupation and a stable income. The maximum loan amount for each merchant is 1, yuan temporarily (2, yuan in some areas).

Handling process:

The borrower only needs to form a joint guarantee team or find a guarantor, and bring his ID card. In the case of merchants, he needs to bring his business license, submit an application to the opened outlets together, accept the investigation, pass the examination and approval, and get the loan after signing the contract.

repayment method:

◆ One-time principal and interest repayment method

◆ Equal principal and interest repayment method

◆ Stage repayment method (only interest will be repaid during the grace period, and the loan will be repaid by equal principal and interest repayment method after the grace period).

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 automatically deducted by the computer system.

note: the specific product information and business process shall be subject to the announcement of local postal savings institutions.

2. How many guarantors are needed for the loan of Postal Savings Bank

Postal savings business is a loan product launched by China Postal Savings Bank for farmers and merchants (small business owners). Farmers are loans issued to farmers to meet their agricultural planting, breeding or production and operation needs, and to private entrepreneurs (including sole proprietorships, partnership shareholders, etc.), individual industrial and commercial households, urban self-employed and other small business owners engaged in production and trade in urban and rural areas to meet their needs.

This is a new credit business promoted by Postal Savings Bank. It does not need any mortgage or pledge, and the procedures are simple. It fully meets the needs of farmers and small business owners to start business in some areas of 29 provinces and cities in China in a small amount and in a short period of time, and it is gradually popularized throughout the country, so as to better provide high-quality financial services for farmers, individual operators and small business owners.

business type:

◆ farmers' joint loan: refers to a group that can apply for a loan from the Postal Savings Bank without other guarantees. The maximum loan amount for each farmer is temporarily 5, yuan.

◆ One or two farmers (the number is based on their loan income) can apply for a loan from the Postal Savings Bank, and the maximum loan amount for each farmer is temporarily 5, yuan.

◆ Merchants form a joint guarantee group with individual industrial and commercial households or sole proprietorship business owners with business licenses, and can make payments without other guarantees. The maximum loan amount of each merchant is 1, yuan temporarily (in some areas

◆ Merchant guaranteed loans: refers to individual industrial and commercial households with business licenses or one or two people whose loan income is stable according to their loans, and they can make loans to the Postal Savings Bank for 1, yuan temporarily (2, yuan in some areas).

Handling process:

You only need the borrower to form a joint guarantee team or find a guarantor, and bring your ID card. If it is a merchant, you also need to bring your business license, apply together, accept the investigation, pass the examination and approval, and get the loan after signing the contract. The fastest repayment method is

◆ One-time principal and interest repayment method

◆ Equal principal and interest repayment method

◆ Phased.

The borrower deposits enough funds in the postal savings account on the maturity date of the loan principal and interest.

Note: The specific product information and business handling process shall be subject to the announcement of local postal savings institutions.

3. What are the requirements (specific) for a loan from the Postal Savings Bank?

provide Jinan loan professionally! Hello! I am a member of the credit business department of Postal Savings Bank and have been engaged in the financial industry for many years. Specializing in all kinds of loans and bank loans in Jinan, the bank moves internally, lending quickly, and the bank's interest rate for the same period. In addition, it mainly deals with three-family joint guarantee and second-hand housing loans. If the information is complete, the loan will be released within three days at the earliest. The policy is wider than other banks, and the interest is relatively low. The user name is my fixed telephone. Click on the user name to view the detailed contact information and my user information. 1. Product definition: short-term and medium-term business loans issued by China Postal Savings Bank to private entrepreneurs (natural persons) with real estate as collateral or guarantor as guarantee. Second, the loan object: 1. Private business owners: including individual industrial and commercial households, sole proprietorship business owners, partnership partners and shareholders of limited liability companies; 2. Age, 18-6 years old, excluding Hong Kong, Macao and Taiwan; 3. Self-employed and wholly-owned enterprises must be legal representatives; Partners or shareholders with more than 3% of the shares; 4. Legal business procedures, business license, tax registration certificate and organization code certificate; 5. Operating years: generally 12 months, and 6 months if the credit status is particularly good; 6. Place of business: local. Iii. Loan amount: The minimum credit amount for a single borrower is 1, yuan and the maximum is 1 million yuan. Iv. loan term: the minimum is one month and the maximum is five years, and there is no penalty for prepayment. V. Types of loans 1. Personal business loans secured by real estate; 2. Guarantors as guarantors: two guarantors as guarantors, with a maximum loan amount of 1, yuan, without mortgage. 3. Joint guarantee loan: three private entrepreneurs with business licenses form a joint guarantee team, and the members of the team bear joint and several guarantee responsibilities, and each person can get a loan of 1, yuan, 3, yuan. 6. Characteristic advantages: 1. Low loan interest rate: 6.93% within one year (inclusive); 1 year to 3 years (inclusive) 7.2%; 3 to 5 years (inclusive) 7.488%. Example: The loan is RMB 1,,. Yuan for one year, and the principal and interest are repaid in equal amount, with interest of RMB 37,784. Yuan. 7. Characteristic advantages: 1. Fast loan speed: 2-3 days for loans without mortgage; Commercial loan for real estate mortgage, with 15 working days to lend. 2. Revolving credit line and repayment with loan: After the credit line is determined, it can be used circularly within five years. For example, the borrower's credit line approved by the postal bank is 1 million yuan, and the borrower is like a credit card with a credit line of 1 million yuan, which can be used at any time and returned as needed. 3. Flexible repayment method: one-time repayment of principal and interest, applicable to loans within 6 months; Equal principal and interest repayment method; The phased matching principal and interest repayment method has a grace period of 6 months, and only the interest is repaid in the first 6 months. After the grace period expires, it will be repaid according to the standard matching principal and interest method. 4. Flexible mortgage and guarantee methods: mortgaged real estate: including personal commodity housing, writing room, ground floor shops, villas, etc. Ownership of property rights: personal property under the names of the borrower and spouse and their immediate family members (parents, children, brothers and sisters). Mortgage rate: up to 6% of the mortgaged property. Location: local administrative region. 5. The professional service process is transparent. 6. Advocate a sunny and transparent credit civilization, and require credit personnel to strictly abide by the rules and regulations of "eight prohibitions" to provide efficient and high-quality services for borrowers. 7. Twenty-four outlets in city, suburb and county accept loan business, which is convenient for borrowers to apply nearby. 8. Materials to be submitted for loan application: 1. Identity certificate: ID card of the loan applicant, spouse ID card (if married), household registration book, marriage certificate or other identity certificates; 2. Legal business procedures: business license, tax registration certificate, organization code certificate, etc. 3. Mortgage information: real estate license, deed certificate and land use right certificate of the mortgaged property; 4. Business or financial records: the bank statement of the settlement account of the enterprise or individual for the past six months, the recent tax payment certificate and other documents reflecting the repayment ability or asset strength.

fourth, can teachers get a loan from the postal bank? What is the maximum amount?

certainly. As long as you have the financial ability and can prove it, you can introduce the postal savings business. Postal savings business is a loan product launched by China Postal Savings Bank for farmers and merchants (small business owners). Farmers are short-term loans issued to farmers to meet their agricultural planting, breeding or production and operation needs. Merchants refer to loans issued by private entrepreneurs (including sole proprietorships, partnership partners, individual shareholders of limited liability companies, etc.), individual industrial and commercial households, urban self-employed individuals and other small business owners engaged in production and trade in urban and rural areas to meet their production and operation capital needs. Business Type: ◆ Farmers' Joint Guarantee Loan: It means that three to five 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 farmer is temporarily 5, yuan. ◆ Farmers' guaranteed loan: refers to farmers, who can apply for a loan from the Postal Savings Bank as long as one or two (the number depends on the loan amount) people with fixed jobs and stable income are the loan guarantors, and the maximum loan amount for each farmer is temporarily 5, yuan. Joint guarantee loan for merchants: It means that three individual industrial and commercial households or sole proprietorship business owners 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 1, yuan (2, yuan in some areas). ◆ Merchant-guaranteed loan: refers to an individual industrial and commercial household or sole proprietorship owner with a business license, who can apply for a loan from the Postal Savings Bank only by having one or two (the number depends on the loan amount) people with a fixed occupation and stable income as their loan guarantors. The maximum loan amount for each merchant is temporarily 1, yuan (2, yuan in some areas). Handling process: The borrower only needs to form a joint guarantee team or find a guarantor, and bring his ID card. If the merchant needs to bring his business license, he can apply to the opened outlets together, accept the investigation, pass the examination and approval, and get the loan after signing the contract. Repayment method: ◆ One-time repayment of principal and interest ◆ Equal repayment of principal and interest ◆ Phased 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). 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 automatically deducted by the computer system. Note: The specific product information and business process shall be subject to the announcement of local postal savings institutions.