1. At present, the micro-loans of the Postal Savings Bank include farmers' loans and micro-enterprise owners' loans (commonly known as merchant loans), and no mortgage is required. According to the different guarantee methods, it can be divided into farmer's joint guarantee, farmer's guarantee, merchant's joint guarantee and merchant's guaranteed loan.
Credit line: farmers 1000-50000, merchants 1000- 10000.
Farmers' joint insurance: 3 households and 5 households can be insured. (No need to find a guarantor)
Agricultural insurance: you can find a strong agricultural insurance below 10000. /kloc-0,000 to 30,000 people need to find 1 guarantors with fixed jobs, and 30,000 to 50,000 people need two.
Merchant's joint guarantee: it can be guaranteed by 3 households (no need to find a guarantor)
Merchant's guarantee: 1 guarantor with a fixed job is required for those below RMB 30,000, and 2 guarantors are required for those below RMB 30,000 -65438+ 10,000.
Second, the loan object, conditions and purposes
1. Farmers: farmers or self-employed individuals with full capacity, good health, high labor productivity and trustworthiness.
2. Merchant: a merchant who has an industrial and commercial business license (more than three months, the name of the business license is the borrower), has a fixed production and business premises, and operates for profit.
3. Age 18-60 years old, with local hukou or living in the local area for one year; Farmers must be married and have more than two laborers;