I want to borrow 0.2 million/200 thousand from the credit union to open a clinic. I don't have a low mortgage, so I can pay interest. Can I get a loan? Do you need other conditions? Can you speak more carefully? Thank you! Post Office Microfinance: Postal savings microfinance business is a loan product launched by China Postal Savings Bank for farmers and merchants (small business owners). Small loans for farmers are short-term loans granted to farmers to meet their agricultural planting, breeding or production and operation needs. Merchant microfinance refers to loans granted by private entrepreneurs (including sole proprietorships, partnership partners and individual shareholders of limited liability companies). ), engaged in production and trade in urban and rural areas to meet their production and operation capital needs of individual industrial and commercial households and urban self-employed. This is a new credit business mainly launched by Postal Savings Bank. There is no need for any mortgage or pledge, and the procedures are simple, which fully meets the needs of farmers and small business owners for small and short-term liquidity. At present, it has opened business in some areas of 29 provinces and cities across the country, and gradually extended to more areas of the country to better provide quality financial services for farmers, individual operators and small business owners. Business Type: ◆ Farmers' Joint Guarantee Loan: It means that 3 to 5 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 household is temporarily 50,000 yuan. ◆ Farmers' guaranteed loan: refers to farmers. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 50,000 yuan. Merchant joint guarantee loan: refers to a joint guarantee team composed of three individual industrial and commercial households with business licenses or owners of sole proprietorship enterprises, 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). ◆ Merchant-guaranteed loan: refers to individual industrial and commercial households or sole proprietors with business licenses. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as their loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 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 a merchant needs to carry a business license, he/she shall apply to the outlets offering small loans and accept the investigation and approval. After signing the contract, he can get the loan, and he can get the loan within 3 days at the earliest. Repayment method ◆ One-time repayment method of principal and interest ◆ Equal repayment method of principal and interest ◆ Installment 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, and the computer system will automatically deduct it. Note: The specific product information and business process shall be subject to the announcement of the local postal savings institution.