Conditions for applying for loan business:
Natural persons aged between 18 and 65;
The borrower is over 70 years old;
Have a stable job, a stable income, and the ability to repay the principal and interest of the loan on time.
Good credit, not bad.
Other conditions stipulated by the bank.
2. What are the procedures for getting a loan from China Postal Savings Bank?
Procedures for applying for a loan in China Postal Savings Bank:
1. Consult the bank about the loan;
2. Prepare relevant materials;
3. Go to the bank counter to apply for a loan.
Information that an individual needs to provide when applying for a bank loan:
Loan application;
Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife;
Property * * * Someone agrees with the loan opinion;
Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). );
Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months);
Loan contract.
For personal guarantee, the following information shall be provided:
Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife;
Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). );
Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months);
Personal bank credit information inquiry system;
Notarization.
For enterprise guarantee, the following information shall be provided:
Original and photocopy of business license, original and photocopy of tax registration certificate (national tax and local tax), organization code certificate, articles of association, ID card of legal representative of the enterprise, loan card (annual inspection) and credit certificate;
Shareholders' consent;
Financial statements: financial statements at the end of last year and the last three months (with audit reports). Including balance sheet, income statement, cash flow statement and bank statement (with bank seal);
Special industries need to provide EIA data (EIA report, pollutant discharge permit).
Property mortgage should be issued:
Identity cards, household registration books and marriage certificates of both husband and wife;
The property owner agrees to mortgage;
Real estate needs to be registered.
Conditions for applying for personal loans:
First, he has reached the age of 25 and has full capacity for civil conduct; And have permanent residence or valid residence certificate in China.
Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.
Third, the credit record is good and there is no bad credit record.
Fourth, it can provide legal and effective guarantees recognized by banks.
Fifth, other conditions stipulated by the bank.
3. What procedures do China Postal Savings Bank need to go through on behalf of the fund?
Hello, the farmers of the Postal Savings Bank are loans for rural planting, breeding and other production and business purposes. The borrower must be married, have more than two laborers in his family, be between 18-60, have a local household registration or have lived in the local area for more than one year, and have more than one year experience in planting and breeding. At the same time, it is necessary to provide 1 to guarantee two natural persons. Guarantors require people with stable income, such as national civil servants, teachers, doctors, etc., or form a joint guarantee team of 3 to 5 households. If all the conditions are met, the maximum loan amount can be less than 50 thousand yuan. The merchants of Postal Savings Bank are used for the business and turnover of merchants and Wechat business owners. The borrower must have a business license, have been in business for more than half a year, be aged between 18-60, have a local account or have lived in the local area for more than one year, and need to provide 1 or two natural persons as a guarantee. Guarantors are required to be civil servants, teachers, doctors and other groups with stable income. Or form three joint guarantee groups. When all conditions are met, the maximum loan amount can be less than 6,543,800 yuan. : Pledge the unexpired lump-sum deposit certificate of the Postal Savings Bank; Commercial loan: it requires a business license to operate normally for more than one year, and a real estate mortgage; Personal comprehensive consumption loan: it needs to be mortgaged by the house owned by the borrower; Personal housing loan: the main guarantee is the housing purchased by the borrower. The housing age does not exceed the fixed number of years stipulated by the local postal savings bank, and the mortgage registration can be handled in the local housing management department; Personal commercial housing loan: secured by the purchased house mortgage; I hope my answer is helpful to you.
4. What is the tax loan application process of Postal Savings Bank?
Tax loan is a short-term credit business for small and medium-sized enterprises with high tax credit rating in the tax system, which gives a certain credit line according to their corporate tax, consumption tax, business tax and income tax paid in national tax and local tax. Small and medium-sized enterprises that need to borrow through "tax loans" only need to provide the original and photocopy of business license, organization code certificate and tax registration certificate; Loan card (valid for annual inspection); Articles of association and capital verification report; ID card and resume of the legal representative; The annual financial statements of the enterprise for three consecutive years and the latest monthly financial statements; Proof that the actual controller of the enterprise or his spouse or children have real estate in Guangxi; Customer information table and other materials (such as VIP card of China Bank, vouchers for platinum card customers). Also pay attention to when the loan card will be inspected annually, and don't miss the inspection time.
Bank of China's approval criteria for qualified credit lines for small and medium-sized enterprises are: 1) The average tax amount of enterprise income tax, consumption tax, business tax and income tax in the last two years shall not exceed 3 times or 2 million yuan, whichever is lower, and the total amount of credit products with a risk coefficient of 1 shall not exceed 8% of the sales revenue of the enterprise in the previous year; 2) If the loan amount applied by the enterprise exceeds this amount, the excess can be obtained by providing a guarantee recognized by BOC.