Conditions for applying for a small unsecured loan for postal merchants:
1. The applicant is 18-6 years old, in good health, has a local hukou or has lived in the local area for one year; Having a business license with the measures of the industrial and commercial department and passing the annual inspection; Normal operation for more than three months; The main business place is within the scope of the city (county) district.
2. Guarantee conditions: If the loan amount is less than 1, yuan (excluding), you only need to find a guarantor, who must be a national civil servant, institution, regular employee of large and medium-sized enterprises or a group with relatively stable income such as teachers and doctors. The loan amount is 1,-1, yuan. You need to find two guarantors, one of whom must be a national civil servant, institution, regular employee of large and medium-sized enterprises or a relatively stable income group such as teachers and doctors, and the other guarantor must have a fixed occupation or stable income.
3. Materials to be submitted: the original and photocopy of the ID cards of the applicant and guarantor; Personal income certificate of the guarantor; The original and photocopy of the business license issued by the industrial and commercial department and passed the annual inspection, and other materials required by the postal bank.
4. loan processing flow: find the guarantor-apply for the outlet-submit the information-fill in the application form-accept the investigation-wait for approval-sign the loan contract-issue the loan.
There is another thing:
Postal savings bank loans are small loans. For two customer groups.
1, it is aimed at farmers, who should be engaged in breeding and planting. Get married. Find one or two guarantors and you can borrow up to 5 thousand.
2. It's aimed at merchants. You should have a business license and have been operating normally for more than three months. And you need to find one or two guarantors, and you can borrow up to 1 thousand.
It will take about one week from your application to approval, and the money will be transferred to your current account opened in the Postal Savings Bank.
There is another
loan amount of less than 1, yuan requires only one guarantor, and more than 1, yuan requires two guarantors without any mortgage.
this loan is targeted at farmers, urban self-employed and micro-business owners (including sole proprietorship owners, partnership partners, individual shareholders of limited liability companies, etc.), with the maximum loan amount of 5, yuan for farmers and 1, yuan for merchants. To apply for a loan, you can choose two ways: guarantee or joint guarantee. To ensure that the loan guarantor must have a fixed occupation or stable income, if two people guarantee, one of them must be a civil servant, teacher, doctor, institution or formal employee of large and medium-sized enterprises; A joint guarantee form can be composed of 3-5 lenders, who are jointly and severally liable.
if you want to ask other specific customer service numbers, you can call the customer service number of the Postal Savings Bank, and 9558
I hope it will help you and be adopted.