Requirements for a Postal Savings Bank loan of 654.38 million yuan 18 to 60 years old. Farmers must be married, healthy, have a local hukou or have lived in the local area for one year. Merchants must have a business license approved by the industrial and commercial department and passed the annual inspection, and have a fixed business place. Eligible borrowers can apply for loans at the business outlets of China Postal Savings Bank with relevant materials.
1. In order to meet the current market demand, banks and lending institutions have successively introduced various loan methods. Postal savings micro-loan is a micro-loan product launched by Postal Savings Bank. Judging from the loan amount alone, the types of microfinance include personal comprehensive consumption loans and personal credit consumption loans. The amount of personal comprehensive consumption loans can reach 3-2 million yuan, and personal credit consumption loans can reach 500-500 thousand yuan.
Two, apply for postal microfinance materials to be submitted:
1, microfinance application form;
2. The original and photocopy of your valid identity document;
3. Proof of your permanent residence in the local area or residence for one year;
4. Other materials required for handling loans;
5. Marriage certificate or marriage certificate.
6. If you apply for a merchant loan, you also need to provide:
1) The original and photocopy of the business license that has passed the annual inspection; Engaged in franchising, it shall also provide the original and photocopy of the business license of the relevant administrative department;
2) Property right certificate or lease contract of the business premises.
How does the Postal Savings Bank get an interest-free loan of 65,438+10,000? Need these conditions!
In this era of mass entrepreneurship, everyone wants to be their own boss. Many young people have joined the wave of entrepreneurship after graduation, but they suffer from lack of funds. Interest-free loans for postal savings are loans to encourage entrepreneurship and have been well received by many users. How does the Postal Savings Bank get an interest-free loan of 65,438+10,000?
How does the postal savings get an interest-free loan of 654.38 million?
The interest-free loan for postal savings is a mortgage loan, and the loan amount is 60% of the lender's mortgaged property valuation, with a minimum of $6,543,800 and a maximum of $6,543,800. During the loan period, the lender can also take back the house in advance and repay the loan, which can save some financial expenses.
The terms of the loan are not complicated;
1. The lender shall have full capacity for civil conduct and shall not be over 50 years old.
2. When making a loan, you need to hold a business license, tax registration certificate and related business license issued by the administrative department for industry and commerce.
3. The lender's personal credit is good, and there is no bad credit record and debt record.
4. Have a local household registration or have lived for one year, and the production and operation of the project conform to the national industrial policies or laws and regulations.
Lenders need to be able to repay loans regularly.
6. To open a settlement account in a bank, apply through a bank account every day.
7. Collateral, pledge or guarantor, guarantee company, etc. Be recognized by the bank.
The above are some loan conditions for interest-free postal savings loans, and each bank outlet will have some specific requirements that meet local policies. I suggest you consult the local online banking before applying, and consider whether to apply according to your actual situation.
The above is the answer to the question about "how to borrow the interest-free loan of 65438+ million postal savings", I hope it will help everyone!
Postal savings bank 65438+100000 interest-free conditions
The Lender is a citizen with full civil capacity, aged18-50; The lender's credit information is good and there is no record of overdue repayment; The lender's debt ratio is not high, and it has the ability to repay on time; The lender may provide mortgage, pledge or guarantee recognized by the bank.
Not everyone can apply for interest-free loans. Only those who meet certain conditions can apply, mainly to encourage and support corporate loans. It is best to hold the industrial and commercial business license, tax registration certificate and related industrial and commercial business license issued by the administrative department for industry and commerce. Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions. Generally, international private commercial banks give interest-free loans. Although there is no interest, they will charge a commission of about 1%. After all, banks are not charitable organizations, and interest and commission are the income of a bank.
Postal savings is an interest-free loan of 65,438,000 yuan, with the following eight conditions.
1. The applicant must be between 18 and 50 years old and have full capacity for civil conduct;
2. The applicant needs to have a good credit record and no bad credit record and bad debt record;
3. The applicant shall provide the business license, tax registration certificate and relevant documents issued by the industrial and commercial department;
4. The applicant must have good repayment ability, the production and operation of the loan project should comply with relevant policies and laws and regulations, and the project has good development prospects or market competition potential;
5. The applicant has a fixed residence or business premises in the loan place;
6. The applicant needs to open a settlement account in the postal bank, and the applied loan amount will be paid through this account;
7. The applicant needs to provide collateral, pledge or guarantee recognized by the bank;
8, different bank outlets, the applicant must also meet the specific requirements of local policies.
The above is the relevant content of the 65438+ 10,000 interest-free loan of the Postal Savings Office.
Postal savings bank 65438+100000 interest-free loan application process
1. Application: Eligible applicants apply in writing at local banks providing loan services and submit relevant materials;
2. Field investigation: bank staff will go to the applicant's home to investigate the family's economic situation and the location of the application project;
3. Approval: the bank checks the materials provided by the applicant and the review results;
4. Signing: After the materials are approved, notify the applicant to sign the contract;
5. Loan: After signing the contract, the bank will lend money to the applicant.
Introduction of interest-free loan of Postal Savings Bank
The interest-free loan of the Postal Savings Bank does not really require the borrower to pay the interest fee, but for the borrower, it is not necessary for the individual to bear the interest for handling the interest-free loan. This interest is borne and paid by the local government, which will pay interest to the lending bank. The provisions of interest-free loans may be different in different regions. When applying, users can consult the local bank first, and then consider whether to apply for an interest-free loan according to their actual situation. This article is mainly about the knowledge points of 65438+ 10,000 interest-free loans for postal savings, and the content is for reference only.