The conditions for applying for small loans in the Postal Savings Bank are: \x0d\ 1, aged between 18-60, with full capacity for civil conduct; \x0d\ 2。 Can provide a valid residence certificate; \x0d\ 3。 Can provide a business license that has passed the annual inspection; \x0d\ 4。 Normal operation for more than three months; \x0d\ 5。 The business place is in the service area of the handling bank; \x0d\ 6。 Being able to provide a guarantor recognized by the People's Bank of China for guarantee; \x0d\ 7。 Other conditions required by the bank. \x0d\ The required loan materials are: \x0d\ 1. A valid identity certificate of the borrower; \x0d\ 2。 A valid identity certificate of the guarantor; \x0d\ 3。 Income certificates of the borrower and guarantor; \x0d\ 4。 Business license; \x0d\ 5。 Other materials required by the bank. \x0d\ Handling process: \x0d\ Application-acceptance of application-bank review and approval-signing loan contract-granting loan. \x0d\ In addition, after the borrower successfully obtains the loan, he must also remember to repay it in full and on time every month, so as not to affect his personal credit record due to overdue, otherwise it will be very difficult to apply for a loan in the future. ?