How to handle postal loans in Jimsar County, changji city, Xinjiang?

1. How to handle postal loans in Jimsar County, changji city, Xinjiang?

Your loan: the farmers' loan of Postal Savings Bank is used for production and operation purposes such as rural farming. If you need to borrow money, you must get married 2 family members with working age of 65,438+08 years old and 60 years old, with permanent residence or complete planting and breeding experience. You need to provide 12 stable income groups such as civil servants, teachers, medical care, or 35 joint guarantee groups. If all the conditions meet the requirement of high loan of 50,000 yuan, the merchant loan of the Postal Savings Bank is used for the business of merchants and small and micro enterprises, and the loan business license requires half a year. 18 years old, 60 years old. If the three joint insurance groups have a high loan of 65,438+1100 million yuan, they need to pledge the lump-sum deposit and withdrawal certificates of deposit during the postal service. Commercial loan: business license is required for real estate mortgage; Comprehensive consumer loan: the house in the loan application office (* * *) needs mortgage; Housing loan: if the loan is applied for purchase, and the house age exceeds the fixed number of years stipulated by the Postal Savings Bank, the housing management department can apply for mortgage registration as the main body of commercial housing loan: the purchased house is secured by mortgage; I hope to answer your help.

Second, how to handle postal loans?

You must have a stable income, or use real estate as collateral, and then find a civil servant as a guarantee!

3. How does China Postal Savings Bank get a loan?

Postal savings bank loans cannot be handled at the counter. The steps are as follows:

1. First, the customer applies for a loan.

2, prepare the required materials:

(1) application form;

(2) The original and photocopy of my valid identity certificate;

(3) proof that I have a permanent residence in the local area or have lived for one year;

(4) Other materials required for handling loans;

(5) Marriage certificate or marriage certificate.

3. After the salesman of the Postal Savings Bank accepts it, the loan specialist will go to the production and business premises and family residence of the loan applicant for on-the-spot investigation, and then submit the relevant materials to the examination and approval personnel. If it is approved, you will be informed to sign a loan contract with the relevant personnel, and you can get a loan after signing the loan contract.

4. How to apply for a postal loan?

Apply for postal merchants small conditions:

1. Applicant 18-60 years old, in good health, with a local hukou or living in the local area for one year; Having a business license issued by 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 below 654.38+00000 yuan (excluding), you only need to find a guarantor. The guarantor 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 1,000 yuan-1 1,000 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, teachers, doctors and other people with relatively stable income, and the other guarantor must have a fixed occupation or a 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, as well as other materials required by the postal bank.

4. Loan processing flow: find guarantor-apply for branch-submit information-fill in application form-accept investigation-wait for approval-sign loan contract-issue loan.

There is also:

Postal savings bank loan is. For two customer groups.

1, for farmers, it should be engaged in farming and planting. Get married. Find one or two guarantors, and you can borrow up to 50 thousand.

2, it is aimed at merchants. You should have an industrial and commercial business license and have been operating normally for more than three months. And find one or two guarantors, and the maximum loan can be 654.38+ 10,000.

It takes about a week from your application to approval, and the money will be transferred to your current account opened in the Postal Savings Bank.

There is also a risk loan:

Only one guarantor is needed for loan amount below 65,438+00,000 yuan, and two guarantors are needed for loan amount above 65,438+00,000 yuan without any mortgage.