First, the conditions for joint insurance of postal savings loans for farmers. A joint insurance group consisting of 3 to 5 farmers can apply for loans directly from the Postal Savings Bank without any guarantee. The maximum loan amount for farmers in the joint insurance group is temporarily 50,000 yuan. ?
The second is the postal savings loan conditions guaranteed by farmers. Individual farmers can apply for loans from China Postal Savings Bank as long as they have one or two (the number depends on the loan amount) people with fixed jobs and stable income as loan guarantors. The maximum loan amount for each farmer is tentatively set at 50,000 yuan. ?
Third, the conditions for postal savings loans to be guaranteed by merchants. Three individual industrial and commercial households or sole proprietorships with business licenses need to form a joint guarantee team, and they can apply for loans directly from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). ?