Loan amount: the maximum single loan is 500,000 yuan.
Loan term: the longest 12 months.
Applicable object:
1. has a tobacco monopoly retail license, and the registrant of the tobacco monopoly retail license is himself and his spouse. When applying for a loan, the tobacco monopoly retail license must be within the validity period, and there is a business of collecting tobacco money in our bank or other banks.
2. Married, aged between 25 years (including 25 years) and 60 years (including 60 years).
3. A physical store with an operating life of more than 2 years (including 2 years). If you rent a physical store, the rental behavior must be long-term and stable.
Information required for application:
1, the original and photocopy of my ID card, the original and photocopy of my business license that has passed the annual inspection, and the property right certificate or lease contract of the business premises.
2. Married applicants also need to provide the original and photocopy of their spouse's ID card and the original and photocopy of their marital status certificate (marriage certificate or household registration book jointly registered by husband and wife).
3, engaged in franchising, should also provide the original and copy of the business license of the relevant administrative departments.
4. Where other natural persons (or legal persons) provide guarantees for loan applicants, the guarantor shall be audited (or recognized) by the bank and provide relevant certification materials as required by the bank.
5. Other materials required for handling loans.
Handling process of cigarette loan: cigarette loan is a loan from China Postal Savings Bank. This loan is mainly issued to shops or operators who sell tobacco. They need to be aged between 30 and 60, married, have full capacity for civil conduct and have certificates such as tobacco monopoly sales license. Moreover, if the operator needs a loan, the borrower needs to have a physical store, and the operating time should be more than two years.
Processing flow of tobacco loan: 1. Submit a loan application to the bank. 2. After the bank investigation is approved. 3. Sign a loan contract. 4. Implement loan guarantee conditions. 5. Banks issue loans. 6. The borrower repays the loan as required. The loan period shall not exceed the validity period of the tobacco license.