How to get a business loan from the Postal Savings Bank?

1. Mortgage loans.

The Postal Savings Bank of China (PSBC) grants individual business loans to individual industrial and commercial households, small and micro business owners, professional farmer cooperatives or other rural and urban production and operation operators, with real estate mortgage as the main form of guarantee, to meet their production and operation capital needs.

Conditions of access. 1.Loan applicants are between 18 and 65 years old.

2.The loan applicant has a legal business entity or is the actual controller of the business entity in the local area, and has been operating normally for more than half a year.

3.Able to provide legal and valid collateral.

Product Elements. 1.Loan amount: up to 4 million yuan.

2.Loan term: up to 10 years.

3.Guarantee method: residential, commercial real estate, property right shops and other real estate mortgages.

2. Guaranteed loans.

The Postal Savings Bank of China (PSBC) grants individual business loans to individual industrial and commercial households, small and micro business owners, professional farmer cooperatives or other rural and urban production and operation enterprises, which are mainly guaranteed by natural persons and legal persons, to meet their production and operation capital needs.

Conditions of access. 1.Loan applicants are between 18 and 65 years old.

2.The loan applicant has a legal business entity or is the actual controller of the business entity in the local area, and has been operating normally for more than half a year.

Product Elements. 1.Loan amount: up to 3 million yuan.

2.Loan term: 1-3 years for a single transaction.

3.Guarantee method: natural person guarantee, guarantee company guarantee, insurance company guarantee, etc.

3. Credit loans.

The Postal Savings Bank of China (PSBC) grants individual business loans to individual industrial and commercial households, small and micro business owners, professional farmer cooperatives or other rural and urban producers and operators, which are used to meet the production and operation capital needs of the loan applicant and his/her spouse on the basis of the account transaction flow or tax payment certificate generated by the business activities of the loan applicant and his/her spouse within a certain period of time.

Conditions of access. 1.Loan applicants are between 18 and 60 years old.

2.The loan applicant must be a high-quality industry operator approved by the Postal Savings Bank or an operator of a specific e-commerce platform.

Product Elements. 1.Loan amount: 100-2 million yuan.

2.Loan term: The maximum term of a single loan is 1 year.

3.Guarantee method: credit. Small.

The bad record is now five years from the date of its repayment.

The People's Bank of China stipulates that all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot be tampered with. The bank will not make any bad comments about your usage records, but will give honest feedback on your historical usage records.

without any subjective judgment. If you apply for a subsequent loan, the lender will make comprehensive reference to your credit history, not only for a certain period of time, but also if you can maintain a good consumption and repayment history, it will continue to increase your credit rating.

The credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit record caused by the overdue repayment of the credit card will be kept in the credit information system for two years. If the card is terminated, the corresponding record will no longer be rolled.

moving, but preserved for a long time. Therefore, after the credit card is overdue, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, and maintain good credit during the period, so that you can rely on it.

Rolling records remove bad records from the credit reporting system.

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I did it in September this year.

Hit their customers directly**.

They have a link to apply directly online.

Don't touch that, pit people.

1. Application conditions for postal savings micro-loans:

1.Applicable objects: natural persons aged 18-60 with full capacity for civil conduct.

2.Loan amount: The maximum loan for merchants is 100,000 yuan (the amount is higher in some areas, please consult the local Postal Savings Bank branch for details).

3.Loan term: 1 month to 12 months, in months; You can choose the loan term according to the production and operation cycle, repayment ability, etc.

4.Loan interest rate: The benchmark interest rate shall prevail, and the specific interest rate will fluctuate according to the actual situation of the person.

Second, after understanding the application conditions, let's take a look at the interest rate of postal savings microloans:

1.Farmers' joint guarantee loan: that is, three farmers form a joint guarantee team, and no other guarantee is needed, so they can apply for a loan from the Postal Savings Bank. The maximum loan amount for each farmer is 80,000 yuan (the loan amount varies depending on the region).

2.Guaranteed loan for rural households: It refers to rural households, which generally only need one or two people (the number of people depends on the amount of the loan) with a fixed occupation and stable income as their loan guarantors.

The maximum loan amount for each farmer is 100,000 yuan (the loan amount varies depending on the region).

3.Merchant joint guarantee loan: It refers to a joint guarantee group formed by three individual industrial and commercial households or sole proprietorship owners with business licenses, and no longer need other guarantees, they can apply for loans from the Postal Savings Bank, and the maximum loan amount for each merchant is temporarily 100,000 yuan (200,000 yuan in some areas).

4.Merchant Guarantee Loan: It refers to a sole proprietorship or sole proprietorship owner with a business license, who only needs one or two people with a fixed occupation and stable income as his loan guarantor (the number of people depends on the loan amount), he can apply for a loan from the Postal Savings Bank, and the maximum loan amount for the merchant is temporarily 100,000 yuan (200,000 yuan in some areas).

5.Loan of Fixed Deposit Certificate: In fact, it means that you can enjoy a loan of 90% of the fixed deposit with the fixed deposit certificate of your own or other people's postal savings (the repayment period must be before the maturity of the fixed deposit certificate).

According to the current situation, it is relatively easy for postal bank borrowers to apply after the borrower meets the relevant conditions. The specific conditions that need to be met for the loan processing of the Postal Bank include: 1. The borrower has a stable place of residence in the local area of the Postal Bank; 2. The borrower has full capacity for civil conduct; 3. The income is stable and reaches more than half a year, and meets the conditions of the local postal bank for borrowing; 4. The borrower has good credit; 5. Additional conditions stipulated by the local postal bank.

If you are applying for a mortgage, you also need to provide proof of ownership of the collateral and you own the ownership of the collateral in order to apply for a mortgage.

Questions. Thank you. You're welcome

2. How to apply for a credit loan from the Postal Savings Bank? Personal credit loans do not require a mortgage, the application process is very simple, you can apply on your mobile phone or online, authenticate your personal information, provide basic personal information and wait for approval, and you basically don't need to go to the bank to sign in person. Of course, you can also apply for a loan with the local postal savings bank, and after the applicant submits the application materials, the bank will evaluate the borrower's credit status and evaluate the materials submitted by the applicant.

After the bank has completed the investigation on the legality and safety of the applicant's loan purpose, the bank that meets the loan conditions will sign a loan contract with the borrower, and then make the payment in accordance with the provisions of the contract, and the lender will repay the loan principal and interest on time and in full.

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Questions. Can postal banks take out loans.

Hello, glad for your question. Japan Post Savings Bank can provide loans. For example, farmers' joint guarantee loans, merchant joint guarantee loans, etc.

Only the borrower needs to form a joint guarantee team or find a guarantor, bring an ID card, if the merchant also needs to carry a business license, together with the small loan outlets to apply and accept the investigation, approved, after signing the contract, you can get the loan.

Hope mine is helpful to you

The Postal Savings Bank loan application only requires the borrower to form a joint guarantee team or find a guarantor (a regular employee of a state enterprise or institution), and bring the ID card, household registration booklet, and marriage certificate of both the borrower and the husband (if you are unmarried, you need to provide proof of unmarried). If the merchant also needs to bring the business license, tax registration certificate, and shop lease contract, apply for and accept the investigation at the outlet that opens a small loan, and after the approval is passed, the loan can be obtained after signing the contract.

1. Banks are financial institutions established in accordance with the law to engage in monetary and credit business, and are the products of the development of the commodity and monetary economy to a certain stage. Banks are one of the financial institutions, and banks are divided into ** banks, policy banks, commercial banks, investment banks, and the World Bank according to their types, and their responsibilities are different.

The word bank, derived from the Italian banca, originally meant bench, chair, and was the business utensils of the earliest money changers in the market. The English translates to bank, which means a chest for depositing money. In China, the reason why it is called "bank" is related to the history of China's economic development.

In the history of our country, ** has been one of the main monetary materials. "Silver" often represents currency, while "bank" is the name given to large commercial institutions. The term "banks" refers to large financial institutions related to silver and money as banks, which was first seen in the "New Chapter of Capital Administration" written by Hong Ren of the Taiping Heavenly Kingdom.

2. Varieties of Postal Savings Bank loans.

1.Household joint guarantee loan means that three to five rural households form a joint guarantee team, and no other guarantee is required, so they can apply for a loan from the Postal Savings Bank. The maximum loan amount for each farmer is 80,000 yuan for the time being.

2.Guaranteed loans for rural households refer to the fact that rural households only need one or two people (the number of whom depend on the amount of the loan) with a fixed occupation and a stable income as their loan guarantors to apply for a loan from the Postal Savings Bank, and the maximum loan amount for each rural household is 80,000 yuan temporarily.

3.Merchant joint guarantee loan: It refers to a joint guarantee group formed by three individual industrial and commercial households or sole proprietorship owners with business licenses, and no longer need other guarantees, they can apply for loans from the Postal Savings Bank, and the maximum loan amount for each merchant is temporarily 100,000 yuan (200,000 yuan in some areas).

4.Merchant guarantee loan refers to a sole proprietorship or sole proprietorship owner holding a business license, who only needs to have one or two people (the number of people according to the loan amount) with a fixed occupation and stable income as their loan guarantor, and can apply for a loan from the Postal Savings Bank, and the maximum loan amount for each merchant is temporarily 100,000 yuan (200,000 yuan in some areas).

5.A certificate of deposit loan is a loan in which 90% of the fixed deposit is granted to holders of the postal savings certificate of their own or others' postal savings (the repayment period must be before the maturity of the fixed deposit certificate).

The Postal Savings Bank loan of 50,000 yuan is a small loan.

For postal bank microloans, lenders generally need to meet the following conditions:

1. Chinese citizens aged 18-65 who have a fixed residence in China, have a permanent residence in a local town, and are 18-65 years old;

2. Abide by laws and regulations, no illegal acts and bad credit records;

3. Have a good job with a proper and stable economic income, and have the ability to repay the principal and interest of the loan on time;

4. Other conditions stipulated by the bank.

OK. Formal banking institutions can operate loans if they meet the application conditions of their loan products.

Generally, loans are divided into secured and unsecured loans. However, the basic application requirements are as follows:

1. Chinese citizens aged 18-65 who have a fixed residence in China, have a permanent residence in a local town, have full capacity for civil conduct;

2. Have a good job with a proper and stable economic income, and have the ability to repay the principal and interest of the loan on time;

3. Abide by laws and regulations, no illegal acts and bad credit records;

4. Other conditions stipulated by the bank.

Lenders need to fill out the loan application form and prepare the following materials:

1. Personal identity certificate: it can be ID card, residence permit, household registration book, marriage certificate and other information;

4. Other materials stipulated by the bank.

It's that banks have loan business, and they live on storage and loans, and no one saves money, and if they don't take out loans, they almost close their doors.

Japan Post Savings Bank can take out loans, but Japan Post Savings Bank loans have high interest rates and are subject to extremely strict reviews.

This is fine, as long as you meet the conditions of other banks. Which bank can lend money? But you have to meet the conditions of others.

OK. You can apply for a Japan Post Bank loan through mobile banking, online banking or at a branch.

Submit the loan application, application form and related materials, the postal bank will conduct a detailed review of the borrower's loan application, determine the loan amount, and upon approval, the borrower and the borrower sign a loan contract and issue the loan.

Further information: 1. Postal savings small loan business is a loan product launched by Postal Savings Bank of China for rural businesses (small business owners). Microcredit for farmers is a short-term loan issued to farmers to meet their needs for planting, breeding, production and operation.

Merchant microcredit refers to loans provided to private business owners (including sole proprietorships, partners, individual shareholders of limited liability companies, etc.), individual industrial and commercial households, and urban residents engaged in production and other sectors in urban and rural areas. Self-employed and other small business owners to meet their production and business capital needs.

2. Repayment method: one-time repayment of principal and interest, i.e., one-time repayment of principal and interest at maturity, is only applicable to small loans for merchants with a loan term of less than 3 months (inclusive) and farmers with a loan term of less than 4 months (inclusive); Equal repayment of principal and interest, i.e. repayment of loan principal and interest in equal monthly installments during the term of the loan; Equal principal and interest repayment in stages, that is, only the loan interest will be repaid during the grace period of the loan, and the loan will be repaid according to the equal principal and interest repayment method after the grace period. For merchant microloans, the maximum grace period is 4 months; For microloans to farmers, the maximum grace period is 10 months.

Provincial-level branches shall, in accordance with the agricultural production cycle or capital turnover, reasonably determine the maximum grace period for local loans within the maximum grace period.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (original name: Youqianhua, renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

Special note: Withdraw the full amount as soon as possible after the quota is issued, because the risk control is dynamic.

It is best to put forward all the suggestions in demand, and the risk control system will mistakenly think that you don't need the funds very much, resulting in a failed withdrawal. It is prudent to raise at least 60%. After the first installment, early settlement and repayment are supported.

If you have insufficient money to spend or no quota, it is recommended to try the following two platforms, which are also more formal licensed financial institutions! The audit is relatively less rigorous!

360 IOUs can borrow up to 200,000!