Postal small savings and loan, how -? I was

Postal savings micro loan business is China postal savings bank for farmers and merchants (small business) launched the loan products. Farmers microfinance is issued to farmers to meet the agricultural planting, breeding or the needs of production and operation of short-term loans. Business loan is to point to in the production, trade and other departments of urban and rural areas of the owners of private enterprises (including individual proprietorship enterprises, a partner in a partnership, limited liability company individual shareholders), for individual industrial and commercial households and urban individual operators of small business owners issued to meet the capital demand loan.

The variety of business:

◆The peasant joint guarantee loan: refers to the three to five farmers form a joint team, does not require any guarantee, can apply for loans to the postal savings bank. The maximum loan amount is 50000 yuan per household temporarily.

◆ farmer to guarantee loans: refers to the farmer, only have one or two (the number according to the loan amount may be) with a fixed occupation and stable income people do their loan guarantor, can apply for loans to the postal savings bank, the maximum loan amount is 50000 yuan per household temporarily.

◆ business loan: the three hold business licenses of individual industrial and commercial household or individual proprietorship business owners formed a joint team, does not require any guarantee, can apply for loans to the postal savings bank, the maximum loan amount for each business for $100000 ($200000 in some areas).

◆ merchant guarantee loans: refers to the licensed individual industrial and commercial households or individual proprietorship enterprises, only have one or two (the number according to the loan amount may be) with a fixed occupation and stable income people do their loan guarantor, can to the postal savings bank to apply for loans, the maximum loan amount for each business for $100000 ($200000 in some areas).
Small business loans specific products:

One, the loan object. 1 businesses: a legitimate business procedures of the owners of private enterprises, individual industrial and commercial households and urban individual operators; 2 households: a local account or in local continuous lived for more than a year, mainly engaged in farming or other rural land and rural economic development related to production and business activities of the rural family.

Two, the applicant conditions. 1 at the age of 18 to 60 years of age, physical health, with local accounts or in the local residence for more than one year; the 2 is engaged in the production or operation of the project in accordance with the provisions of the national industrial policy and laws and regulations; 3 business normal business for more than three months, the approval of the Department of a business license and annual production; 4 permanent place of business and the main assets in Jinhua city.

Three, the type of loan. The merchant guaranteed loans, loan guarantees, merchant farmers UNPROFOR loans, farmers.

Four, the loan amount. Business loans: 1000 yuan ~10 yuan; farmers loan: 1000 yuan ~5 yuan.

Five, the loan period. Business loans and loans to farmers for a period of 1~12 months.

Six, the loan interest rate. Loan interest rate: 1 of the monthly 3% 2.

Seven, security. 1 guarantee loans: searching for 1~2 guarantee, guarantee, loan amount of 30000 yuan of above, must find the two guarantor, 1 of them must be civil servants, institutions, large and medium-sized enterprises formal workers or teachers, doctors, has a relatively stable income groups; loan in the amount of 30000 yuan (including) can find the 1 fixed occupation and stable income, and there are legitimate, and reliable source of income, the surety shall possess the corresponding guarantee ability, after our investigation approved loans; 2 loan: from the 3 businesses or 3~5 farmers UNPROFOR loans, after our investigation of approval, in the group examination and approval within the amount of each team member can loan.

Eight, the repayment.1 one-time Repayment: namely expires one-time repayment of principal and interest for loans, apply only to the period of 3 months (including) business loans or loan period of 4 months (including) the farmers loan; 2 matching interest repayment: namely, the loan period amount equal to the monthly repayment of principal and interest for loans; 3 stage: the loan repayment grace period to repay the loan with interest, than after the grace period in accordance with the matching interest repayment law to repay the loan, the loan, the loan period of grace for a maximum of 8 months; for business loans, loan grace period for a maximum of 3 months.

Nine, the loan process. For guarantee or cosigner - loan application (submit loan materials) - the survey - loan approval - UNPROFOR agreement, signed loan contract and IOU - loans.

Ten, the loan application to submit material. 1 the borrower Id original and photocopy; 2 borrowers spouse Id original (married); 3 borrowers residence booklet and a copy of the original; the 4 marriage certificate and a copy of the original (married);5 local residence for more than one year certificates (non resident); 6 business license (copy) original and photocopy; 7 the production and business operation permit and a copy of the original; 8 franchise business license and a copy of the original; 9 Tax Registration Certificate (copy) original and photocopy; 10. security identity certificate and a copy of the original; 11 the guarantor person on-the-job proof of income (sealed); 12 tax records; bill of 13 banks (must be stamped with the Yin Hangzhang); 14 utilities pay records; 15 real estate certificates and the use of land (real estate); 16 place of business or property that the lease contract (agreement); 17 the vehicle driving license (since the purchase of vehicles).