Second, the loan object:
1. Private entrepreneurs: including individual industrial and commercial households, sole proprietorships, partnership partners and shareholders of limited liability companies;
2. Age, 18-60 years old, excluding Hong Kong, Macao and Taiwan;
3. Self-employed and wholly-owned enterprises must be legal representatives; Partners or shareholders holding more than 30% of the shares;
4. Legal business procedures, business license, tax registration certificate and organization code certificate;
5. Operating years: generally 65,438+02 months, and 6 months with particularly good reputation;
6. Place of business: local.
Three. Loan amount:
The minimum credit line of a single borrower is 654.38+ten thousand yuan, and the maximum is 1 ten thousand yuan.
Four. Loan term:
At least one month, at most five years, and there is no penalty for prepayment.
Verb (abbreviation for verb) loan type
1, personal business loan secured by real estate;
2. Small loans guaranteed by guarantors:
There are two guarantors as guarantee, and the maximum loan amount is 654.38 million yuan, without mortgage.
3. Jointly guaranteed loans:
Three private entrepreneurs with business licenses form a joint guarantee group, and the members of the group bear joint guarantee responsibilities, and each person can get a loan of 654.38+10,000 yuan, * * * 300,000 yuan.
VI. Features and Advantages:
1, low loan interest rate:
6.903% within 1 year (inclusive); 1 to 3 years (inclusive) 7.02%; 3 to 5 years (inclusive) 7.488%.
Example: The loan is 6,543,800 yuan, with a term of one year, and the principal and interest are paid in equal amount, and the interest is 37,784 yuan.
Seven, characteristic advantages:
1, quick loan:
* Unsecured small loans, with 2-3 days to lend;
* Commercial loan for real estate mortgage, loan 15 working days.
2. Revolving line and loan-as-you-go repayment:
After the credit line is determined, it can be recycled within five years.
For example, the credit line of the borrower approved by the Postal Savings Bank is 6.5438+0 million yuan, and the borrower is like a credit card with a credit line of 6.5438+0 million yuan, which can be used at any time and returned with the loan.
3. The repayment method is flexible:
* One-time repayment of principal and interest, applicable to loans within 6 months;
* Matching principal and interest repayment method;
* Repayment of principal and interest by equal installments, with a grace period of 6 months, and only interest will be paid in the first 6 months. After the grace period, it will be repaid in the standard way of matching principal and interest.
4. Flexible mortgage and guarantee methods:
* Mortgaged property: including individual commercial houses, writing rooms, shops on the ground floor, villas, etc.
* Ownership of property rights: personal property under the names of the borrower, his spouse and their immediate family members (parents, children, brothers and sisters).
* Mortgage rate: up to 60% of the mortgaged property.
* Location: local administrative district.
5. Transparent professional service process.
6. Advocate a sunny and transparent credit civilization, and require credit personnel to strictly abide by the rules and regulations of "Eight Prohibitions" to provide efficient and high-quality services for borrowers.
7. Twenty-four outlets in cities, suburbs and counties accept loan business, which is convenient for borrowers to apply nearby.
Eight, apply for loans need to submit materials:
1. Identity certificate: ID card of the loan applicant, spouse ID card (if married), household registration book, marriage certificate or other identity certificates;
2. Legal business procedures: business license, tax registration certificate, organization code certificate, etc.
3. Mortgage information: real estate license, deed certificate and land use right certificate of the mortgaged property;
4. Enterprise or financial records: bank statements of settlement accounts of enterprises or individuals in the past six months, recent tax payment certificates and other documents reflecting repayment ability or asset strength.