Postal savings bank loans are now divided into many categories:
65,438 438+ 10/00000 unsecured loans are small loans.
10-100000 is a commercial loan.
100-2000w secured loan is a small business loan, not to mention higher.
Now, if you have a mortgage for the turnover of the store, I suggest you take a commercial loan, but you must have a complete house certificate and corresponding commercial proof materials, and the loan officer you handle will collect it from you.
If there is a separate personal consumption comprehensive consumption loan, this is another category. You can choose whether to make a consumer loan or a business loan.
Real estate mortgage loan process:
1. The borrower opens a current deposit account in the bank;
2. Information required for preparing the loan;
3. Sign the bank face to face;
4. Bank filing and approval;
5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;
6. Go to the Construction Committee for mortgage registration;
7. The Project Construction Committee issues his right certificate;
8. Handle insurance, notarization and other procedures as appropriate;
9. The bank directly transfers the loan to the account agreed in the contract;
10. The borrower repays the loan principal and interest according to the loan contract.
Information on applying for housing loan:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).