2. Medium and long-term loans: 5.75% for one to three years, 5.75% for three to five years, and 5.90% for more than five years.
3. Personal housing provident fund loans: 3.50% for less than five years and 4.00% for more than five years.
Loan type
1, personal business loan for real estate mortgage
Personal business loans issued to natural persons for their legitimate production and business activities or the funds needed by their business entities require real estate as collateral.
(1) Credit line:100000 yuan;
(2) Loan term: 5 years;
(3) Guarantee method: real estate mortgage.
2. Guarantee companies guarantee personal commercial loans.
It is a local and foreign currency loan business that is mainly guaranteed by a guarantee institution with bank access and is issued to natural persons who meet the access standards of postal banks to meet their own production and operation capital needs.
(1) Credit line: no more than RMB100000 yuan.
(2) Credit term: The longest term of a single loan shall not exceed 1 year in principle.
(3) Guarantee mode: Guarantee by the guarantee company is the main guarantee mode, and other guarantee modes such as real estate mortgage are not needed.
3, personal business vehicle mortgage loan
Rmb loans granted to natural persons who meet the requirements of our bank for the special purchase of operating vehicles.
(1) Credit line:100000 yuan.
(2) Credit term: In principle, the longest loan term shall not exceed 4 years. If the product price of a single operating vehicle exceeds 5 million yuan (including 5 million yuan), the loan period can be extended to 5 years.
(3) Guarantee method: vehicle mortgage+cooperative institution deposit+cooperative institution guarantee or repurchase.
4. Secured loan
Issued to postal banks, government-guaranteed loan management institutions and recognized small and micro enterprises (owners). On the basis of a certain guarantee provided by the borrower, the borrower pays a certain proportion of the guarantee fund and the risk compensation provided by the government, both of which are credit business as a means of credit enhancement.
(1) Credit line: apply in the name of legal person, with a maximum of 30 million yuan; Apply in the name of an individual, with a maximum of 6,543,800 yuan.
(2) Credit period: the longest credit period is 5 years, and those who meet the requirements within the credit period can apply for multiple loans; The maximum term of a single loan is 5 years.
(3) Guarantee method: The main guarantee methods of the loan are the risk fund paid by the government and the deposit paid by the borrower.