20 million at most. Bank loans for small and micro enterprises are aimed at small and micro business owners and individual merchants with repayment ability and capital needs by Postal Savings Bank.
Second, can the postal small and micro enterprise card handle the mortgage?
Postal small and micro enterprise card can't handle mortgage! Because the borrower is a merchant: it refers to private business owners, individual industrial and commercial households and township individual operators who have legal business procedures; Farmers: refers to rural families who have local hukou or have lived in the local area for more than one year and are mainly engaged in rural land cultivation or other production and business activities related to rural economic development.
Loan conditions 18 to 60 years old, in good health, with local hukou or living in the local area for more than one year; . Engaged in production or business projects in line with national industrial policies and laws and regulations; . The business has been operating normally for more than three months and has a business license approved by the industrial and commercial department for annual inspection.
I hope I can help you!
3. What is the loan application process for small and micro enterprises in Postal Savings Bank?
Small and micro enterprise bank loan is a loan business launched by Postal Savings Bank for small and micro enterprise owners and individual merchants with repayment ability and capital demand.
According to the gold rush expert, in order to successfully obtain the enterprise loan of the Postal Savings Bank, the borrower's enterprise needs to meet the following conditions:
1. The borrower has full capacity for civil conduct;
2. Have an industrial and commercial business license;
3. It has a stable bank flow for more than half a year;
4. It is best to provide collateral recognized by the Postal Savings Bank;
5. The borrower and the person in charge of the lending institution have stable and legal income and good credit;
6. Other conditions stipulated by the local postal savings bank.
After meeting the above conditions, you can directly bring relevant loan information to the local postal savings bank for loan business.
In short, if the borrower meets the above conditions for corporate loans, it is easy to apply for a small and micro enterprise loan from the Postal Savings Bank. However, if the borrower's conditions do not meet the above requirements, it will be difficult to successfully apply for a small and micro enterprise loan at the Postal Savings Bank, but the borrower can try to apply for a loan at a local loan company.
Four, how to handle the small business loan of Postal Savings Bank?
Postal savings bank car loan processing flow
Submit a loan application → bank approval → sign a loan contract → implement the loan conditions → the bank issues the loan → the loan applicant repays the loan on schedule.
Processing channel
It can be handled at the local postal savings bank that has started personal automobile consumption loan business.
Processing time limit
Issue approval opinions within 2 working days at the earliest. Please consult your local branch for details.
Postal savings bank automobile loan application materials
Valid identity certificate, marital status certificate, occupation and income certificate, repayment ability certificate, down payment certificate, original car purchase contract (or car purchase agreement), motor vehicle driver's license and personal settlement account of China Postal Savings Bank;
Other materials required for handling loans.