Small loans of Postal Savings Bank are not easy to borrow. At present, most small postal loans only accept certificates of deposit as collateral. Conversely, if there is a certificate of deposit, it is not cost-effective to handle this kind of loan.

Conditions for handling small loans: Borrower's pre-loan consultation: Fill in the Application for Residential Housing Mortgage and submit the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.