How to get a loan from the bank to handle the deed of house?

China Postal Savings Bank Jieyang Branch 0663~826 1636 Please consult our bank for details. You can get a small loan, and you must bring the deed and the household registration book. "Easy-to-borrow and good-to-repay" micro-credit loan is a loan provided by postal savings for farmers, individual industrial and commercial households, urban self-employed and micro-enterprise owners with good credit to meet the capital needs of production and operation. The main feature is to serve farmers and merchants, without mortgage and pledge, which is simple, convenient and fast. There are four types of loans: merchant-guaranteed loans, merchant-guaranteed loans, farmer-guaranteed loans and farmer-guaranteed loans. The maximum loan for farmers is 50,000 yuan, and the maximum loan for merchants is 654.38+10,000 yuan. At present, the small loans provided by the Postal Savings Bank are mainly aimed at individual farmers, industrial and commercial households and micro-business owners (the annual income is less than 5 million and the employees are less than 100), which requires certain experience and does not support entrepreneurial customers for the time being. If you want to borrow money, you must first see whether you meet some specific conditions: 20-60 years old, married, healthy, registered in Luanxian County, with a fixed residence in the county, and the projects you are engaged in must meet the requirements. For example, farmers can plant and breed on a large scale, businessmen can sell goods to open restaurants, and micro-entrepreneurs can produce products, but some industries are not allowed to lend, such as Shan Ye, mineral processing, chemical industry and so on. If all these conditions are met, you have two loan methods to choose from: one is to find a 1-2 guarantor [1 less than 10,000 (including 1 10,000) and 1 more than 10,000], and the guarantor is a registered resident of Luanxian county, a formal employee of an administrative institution or a large and medium-sized state-owned enterprise working in Luanxian county. Large and medium-sized state-owned enterprises in Luanxian mainly include Netcom, mobile, electric power, banks and credit cooperatives. If 1 of the two guarantors meets the above conditions, the other guarantor can be relaxed to a fixed job with a stable income. For example, workers in Jidong Material Trade can be the second guarantor. In addition, parents and children, husband and wife can not provide mutual guarantees, and those who are guaranteeing others can no longer serve as guarantors; Second, find qualified customers who want to borrow as much as you do to form a joint guarantee team, which consists of 3-5 farmers and 3 merchants. Each household in the team can guarantee each other, and each household may not seek loans from other guarantors, but it is required that the lenders in the team cannot be immediate family members (parents, children, brothers and sisters, couples). In addition, it is very important that neither the lender nor the guarantor can have bad credit records, that is to say, if there is no timely repayment or credit card overdraft, you cannot apply for a small credit loan for the postal savings office. At present, the minimum loan amount of micro-credit for postal savings is 1 10,000 yuan, the highest farmer can borrow 50,000 yuan, and the merchant can borrow 1 10,000 yuan, and the time is 1 month to 65,444. Monthly interest rate 1.3% 2. There are three repayment methods: [one-time repayment of principal and interest]: one-time repayment of principal and interest for farmers' loans within 4 months (including 4 months) and merchants' loans within 3 months (including 3 months). [Matching repayment method of principal and interest]: The rural commercial bank borrows from 1 month to1February, and repays the principal and interest in equal amount every month. [Repayment of principal and interest by installments]: For loans with a term exceeding 4 months to 65,438+0 years, only the interest will be repaid in the first 4 months, and the principal and interest will be repaid in equal amount every month thereafter; For loans with a term exceeding 3 months to 1 year, only the interest will be repaid in the first 3 months, and the loan principal and interest will be repaid in equal amount every month. Compared with the three repayment methods, the equal principal and interest repayment method and the installment equal principal and interest repayment method repay monthly, which has relatively great guarantee pressure on small farmers. We need to provide the original and photocopy of the applicant's ID card, the original and photocopy of the guarantor's ID card, and the certificate of the guarantor's work unit to prove that we are here. You can pick it up in the credit department or fax it to you. Merchant guarantee, in addition to the formalities of providing farmer guarantee, the lender also needs to provide an original and a copy of the business license. The business license requires that the person in charge must be consistent with the lender, approved by the industrial and commercial department and valid for annual inspection, and have been operating normally for more than 3 months; Farmers' joint insurance, each member of the team should provide the original and photocopy of the household registration book or ID card; For merchant joint guarantee, each team member shall provide the original and photocopy of ID card and business license. The business license requires that the person in charge must be consistent with the lender, approved by the industrial and commercial department and valid for annual inspection, and have been operating normally for more than 3 months;