1, loan application acceptance: customers can apply for loans through offline outlets or online self-service channels.
2. Collect customer information and import it into the white list: the system evaluates and automatically approves the loan amount according to the comprehensive customer information. If the verification passes, the business will be automatically approved.
3. Signing: After passing the system audit, sign a loan contract with the borrower to further determine the loan amount, term, repayment method and repayment account.
4. Payment and repayment: customers can make payment and repayment through bank counters, online banking, hand-held banking, self-service terminals and other channels.
2. What procedures do farmers need to borrow money from the Postal Savings Bank?
At present, there are two kinds of loan business provided by Postal Savings Bank: 1 small amount; It is divided into (1) I pledge my ID card and time deposit certificate (account opening date is more than 20 days) to go through the relevant formalities at the postal savings outlets, (very simple and convenient) (2) others pledge the borrower to hold the ID card, and at the same time, the pledger holds the ID card and pledged deposit certificate (account opening date is more than 30 days) * * to go through the relevant formalities at the postal savings outlets. (A little cumbersome) Postal savings have clear regulations on small amounts and loan terms. The maximum small amount of a single customer is not more than 200,000 yuan (including 200,000 yuan), the maximum amount of others is not more than 6,543,800 yuan (including 6,543,800 yuan), and the minimum loan amount is 6,543,800 yuan. Each loan shall not exceed 90% of the total amount of pledged certificates of deposit. If the approval is successful, the borrower can get the loan within two days. Postal interest rate is the benchmark interest rate stipulated by the People's Bank of China. The loan interest rate for less than half a year is only 5.58%, the loan interest rate for half a year to one year is 6. 12%, and the minimum loan interest is 1.55 yuan/day. If the loan exceeds 50,000 yuan (excluding), the loan interest rate can be lowered by 5% to 2 micro-credit loans; The loan target is farmers; Loan amount: up to 50,000 yuan; Loan term: 1- 12 months; Loan interest rate: monthly interest rate: 1 minute 3% 2; Repayment method: (65,438+0) One-time repayment method: for loans within 4 months (including 4 months), the principal and interest shall be repaid in one lump sum; (2) Matching repayment method of principal and interest: for loans from 1 month to1February, the loan principal and interest shall be repaid in equal amount every month; (3) Repayment of principal and interest by installments: for loans with a term exceeding 4 months to 1 year, only the interest will be repaid in the first 8 months, and the principal and interest of the loan will be repaid in equal amount every month thereafter; Guarantee conditions: the guarantor must be a civil servant, institution or official employee of large and medium-sized state-owned enterprises. The applicant is 20 to 60 years old (married), in good health, has a local hukou or has lived in the local area for one year; Engaged in rural land farming or other production and business activities related to rural economic development; Have a fixed residence and be in this area. Materials to be submitted: the original and photocopy of the applicant's ID card, the original and photocopy of the guarantor's ID card, the certificate of the work unit and the official seal of the unit. Find a guarantor in the loan handling process-apply by counter or telephone-fill in the application form-submit materials-accept investigation-wait for approval-inform the approval result-sign the loan contract-issue the loan-check after the loan. The loan object is the merchant; Loan target: individual industrial and commercial households and sole proprietorship business owners; Loan amount: up to 654.38 million yuan; Loan term: 1 to 65438+February; Loan interest rate: monthly interest rate1.3% 2; Repayment method: (There are also three repayment methods for the same farmer) Applicant's conditions: age 18 to 60 years old, good health, having a local hukou or living in the local area for one year; Engaged in production or business projects in line with national industrial policies and laws and regulations; Having a business license approved and inspected by the industrial and commercial department; It has a fixed business place in this area. Materials to be submitted: the original and photocopy of the applicant's ID card, the original and photocopy of the business license approved by the industrial and commercial department, the original and photocopy of the guarantor's ID card, the certificate of the work unit, and the official seal of the unit. The process of loan: (like farmers) Tip: Both farmers and merchants need two guarantors.
3. What procedures does the Postal Savings Bank need to go through in rural areas?
You can apply in the local labor department or trade union.
4. Is the rural credit cooperative loan approved? Is the interest high?
At present, several major state-owned banks, postal savings banks, small banks, credit cooperatives and so on. It is relatively easy to approve loans. Personally, I think postal savings are relatively easy, but what postal savings mainly do is to match the principal and interest, that is, repay the principal and interest every month, and the interest is relatively high. At present, credit cooperatives are relatively flexible in providing personal loans to farmers. At present, the agricultural loan treasure of credit cooperatives is very suitable for individuals, but it needs the guarantee of the staff of enterprises and institutions with fixed income or the guarantee of civil servants. I just made an agricultural loan. The specific process is: find the loan officer of the local rural credit cooperative and apply for a loan; The loan officer will give the guarantee, find the guarantor's signature and seal (income certificate), and prepare the loan information; Submit the information, and the loan officer and the director of the credit union will visit the guarantor; About half a month, the loan will be paid to the bank card. The main reason for choosing a credit cooperative loan is that the loan term is long, and the credit cooperative has given it a three-year term, which can be taken as needed without repayment. During the loan period, the interest can be repaid monthly. The interest rate is around 8% (annual interest rate). Of course, every place and policy are different. Specifically, you can go to the local credit cooperative to consult the loan officer.