1. Farmers' joint guarantee loan: Three farmers form a joint guarantee team, and they can apply for loans from Postal Savings Bank without other guarantees.
2. Farmers guarantee loans: only one or two people are needed, and the number depends on the loan amount. People with fixed jobs and stable income are the loan guarantors.
3. Personal loans for farmers: farmers or rural self-employed households who are healthy, have the ability of labor production and operation, and can abide by their credit; Urban individuals who are engaged in agricultural-related business activities and have stable business premises; Applicants must be married.
4. Joint guarantee loan for merchants: Three individual industrial and commercial households or sole proprietorship business owners with business licenses form a joint guarantee team, and no other guarantee is needed.
5. the merchant guarantees the loan: only one or two people with a fixed occupation and a stable income need to be the loan guarantor. The number of people depends on the loan amount.
6. Personal loan for merchants: approved and registered by the administrative department for industry and commerce and having a fixed place for production and operation; It is in good operating condition; All kinds of private entrepreneurs, individual industrial and commercial households and urban individual operators who can abide by their credit.