1-3 years

The main purpose of the three-year interest-free loan of the Postal Savings Bank is to encourage and support corporate loans and encourage people to start businesses. To successfully apply for a three-year interest-free loan, the lender must be at least 50 years old and hold a business license, tax registration certificate and related business license issued by the administrative department for industry and commerce.

2. What are the conditions for the interest-free loan of the Postal Savings Bank?

What are the conditions for interest-free loans from the Postal Savings Bank? Postal savings interest-free loans of 654.38 million yuan:

To apply for a three-year interest-free loan of RMB 654.38+million, the lender needs to be between 18-50 years old. Because it is a loan established to encourage entrepreneurship, the lender needs to have an industrial and commercial business license, tax registration certificate and related industrial and commercial business license issued by the administrative department for industry and commerce when applying for a loan.

In addition, the legal person industry of the lender needs to have certain development or competitive potential in the market, and the lender can repay the loan on a regular basis. The personal credit record of the lender shall not have bad records, and the debt ratio shall not be higher than 30%. They need to be able to provide bank-approved guarantees, mortgages or pledges.

The institution where the lender works should have a fixed domicile, and the company should have a fixed business place. It is necessary to set up a clearing account in the Postal Savings Bank, and all expenses of the company should be withdrawn from this account. Meet other loan conditions stipulated by the bank.

Under normal circumstances, the lender meets the three-year interest-free loan conditions of 65,438+10,000 yuan of the Postal Savings Office, and can obtain a credit line of 60% of the assessed value at the highest. If the lender takes the house as collateral, the age of the house cannot exceed 15 years.

If there is demand, it is recommended that you use 360 IOUs, which are based on 360 big data, and then comprehensively evaluate users' credit, and finally provide users with instant consumption loans on this basis. The maximum loan amount is 200,000 yuan (click the official free loan amount), and the daily interest rate is as low as 0.03%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security. Tips: The above information is for reference only, and no loan suggestions are made. In the process of online lending, we must pay attention to preventing risks. In order to ensure the safety of funds and prevent routine loans, we suggest that you choose a formal bank or a formal loan platform based on your own judgment after fully understanding it, and borrow reasonably according to your actual situation.

Three, postal mortgage personal consumption loans for several years?

Do you want to apply for postal savings?

As long as one of the following two conditions is met, you can get a loan. According to the information you provided, I personally think that your loan success rate is relatively high.

(1) Joint guarantee loan for merchants: refers to a joint guarantee team composed of three individual industrial and commercial households or sole proprietorship business owners with business licenses, who can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas).

(2) Merchant-guaranteed loan: refers to individual industrial and commercial households or sole proprietors with business licenses. Only one or two people (depending on the loan amount) with fixed jobs and stable income can apply for loans from the Postal Savings Bank. The maximum loan amount for each merchant is 6,543,800 yuan (200,000 yuan in some areas).

For the process, the borrower only needs to form a joint guarantee team or find a guarantor and bring his ID card. If the business needs to bring a business license, they will apply to the opened outlets together, be investigated and approved, and then they can get the loan after signing the contract.

I got an interest-free loan from the postal service this year. Can I get a loan from another bank?

Interest-free bank loan

1, age 18 to 45 years old, China citizen with full capacity for civil conduct;

2. Proof of fixed residence and business premises. The proof of fixed residence can be the real estate license (or the real estate license of parents' names), and the business license issued by the administrative department for industry and commerce and the business license of related industries indicate that they are engaged in normal production and business activities.

3. Proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed the liquidity required by the lender for normal production and business activities, as well as the total amount of funds required for purchasing (installing or repairing) small equipment and franchising.

4. Settlement account. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan is in line with the relevant national laws and bank credit policies, and it is not allowed to be used for equity.

5. loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should provide some information about their credit status, repayment ability and loan investment to the bank as much as possible, which will increase the credibility of the loan and make the loan smooth.

6, good reputation, no bad records;

7. The project conforms to the national industrial policy and regional economic benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, it is certain whether individuals pay interest first, then financial subsidies, or financial discounts in advance.

Every bank has different conditions for interest-free loans, but the above items need to be met, and then there will be more procedures. Everyone must check the information before lending.