It is possible to apply for a small loan from Postal Bank. As long as you have a regular job and the ability to repay, have a good credit report, and have no record of overdue loans, then you can apply for a small loan directly. Can.
This is how to apply for a small loan.
Required conditions for small loans
1. You must be a citizen with full civil capacity. Generally, you are required to be between 18 and 60 years old. Some banks will limit it to 25 to 60 years old. Between 50 years old;
2. Have a fixed residence, or have a permanent residence in a local town (or valid residence certificate), or have a fixed business location;
3. Have a legitimate Career and stable economic income, with the ability to repay the principal and interest of the loan on time;
4. No bad credit record, loan funds cannot be used for stock speculation, house purchase, gambling, etc.;
5. Other small loan conditions stipulated by each bank.
How to apply for a small bank loan
1. The borrower applies to the bank branch that offers small loans. When applying, borrowers must bring their ID cards and other relevant information, and if they are merchants, they also need to bring their business license;
2. After receiving the application from the borrower, the bank will investigate the borrower. The bank mainly examines the borrower's personal credit status and personal income status and other related content to determine whether to approve and grant the loan;
3. After passing the bank's investigation and approval, sign a loan contract with the bank;
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4. The bank lends money and the borrower successfully obtains the loan.
Information required for small loans
1. Personal identity certificate. Valid second-generation ID card, residence permit in the city where you are located, family household register, marriage certificate, etc.
2. Proof of stable address. House rental contract, water and electricity payment bill, property management and other relevant certificates.
3. Proof of income source. Bank account statements for the past six months, unit employment contracts, etc.
4. Personal credit status. You can check and download your personal credit report directly at the credit report center and submit it to bank staff.