At present, there are two kinds of loan business provided by Postal Savings Bank: 1 small amount; It is divided into (1) I pledge my ID card and time deposit certificate (account opening date is more than 20 days) to go through relevant formalities at the postal savings outlets, (very simple and convenient) (2) others pledge the borrower with ID card, and at the same time, the pledger goes through relevant formalities at the postal savings outlets with ID card and pledged deposit certificate (account opening date is more than 30 days). (A little cumbersome) Postal savings have clear regulations on small amounts and loan terms. The maximum small amount of a single customer is not more than 200,000 yuan (including 200,000 yuan), the maximum amount of others is not more than 6,543,800 yuan (including 6,543,800 yuan), and the minimum loan amount is 6,543,800 yuan. Each loan shall not exceed 90% of the total amount of pledged certificates of deposit. If the approval is successful, the borrower can get the loan within two days. Postal interest rate is the benchmark interest rate stipulated by the People's Bank of China. The loan interest rate for less than half a year is only 5.58%, the loan interest rate for half a year to one year is 6. 12%, and the minimum loan interest is 1.55 yuan/day. If the loan exceeds 50,000 yuan (excluding), the loan interest rate can be lowered by 5% to 2 micro-credit loans; The loan target is farmers; Loan amount: up to 50,000 yuan; Loan term: 1- 12 months; Loan interest rate: monthly interest rate: 1 minute 3% 2; Repayment method: (65,438+0) One-time repayment method: for loans within 4 months (including 4 months), the principal and interest shall be repaid in one lump sum; (2) Matching repayment method of principal and interest: for loans from 1 month to1February, the loan principal and interest shall be repaid in equal amount every month; (3) Repayment of principal and interest by installments: for loans with a term exceeding 4 months to 1 year, only the interest will be repaid in the first 8 months, and the principal and interest of the loan will be repaid in equal amount every month thereafter; Guarantee conditions: the guarantor must be a civil servant, institution or official employee of large and medium-sized state-owned enterprises. The applicant is 20 to 60 years old (married), in good health, has a local hukou or has lived in the local area for one year; Engaged in rural land farming or other production and business activities related to rural economic development; Have a fixed residence and be in this area. Materials to be submitted: the original and photocopy of the applicant's ID card, the original and photocopy of the guarantor's ID card, the certificate of the work unit and the official seal of the unit. Find a guarantor in the loan handling process-apply by counter or telephone-fill in the application form-submit materials-accept investigation-wait for approval-inform the approval result-sign the loan contract-issue the loan-check after the loan. The loan object is the merchant; Loan target: individual industrial and commercial households and sole proprietorship business owners; Loan amount: up to 654.38 million yuan; Loan term: 1 to 65438+February; Loan interest rate: monthly interest rate1.3% 2; Repayment method: (There are also three repayment methods for the same farmer) Applicant's conditions: age 18 to 60 years old, good health, having a local hukou or living in the local area for one year; Engaged in production or business projects in line with national industrial policies and laws and regulations; Having a business license approved and inspected by the industrial and commercial department; It has a fixed business place in this area. Materials to be submitted: the original and photocopy of the applicant's ID card, the original and photocopy of the business license approved by the industrial and commercial department, the original and photocopy of the guarantor's ID card, the certificate of the work unit, and the official seal of the unit.

Second, how does the Postal Savings Bank borrow money?

First of all, after a customer applies for a loan, it is accepted by the clerk of the Postal Savings Bank, and the loan specialist conducts on-the-spot investigation on the production and business premises and family residence of the loan applicant, and submits relevant materials to the examination and approval personnel. After the approval, you will be informed to sign a loan contract with the relevant personnel. Extended data:

China Postal Savings Bank can be traced back to the postal savings business started in 19 19, and it has a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company. From 20 15 to 12, ten domestic and foreign strategic investors were introduced. It has nearly 40,000 business outlets and serves more than 600 million individual customers, giving full play to the advantages of the unique mode of "self-management" and serving "agriculture, rural areas and farmers", urban and rural residents and small and medium-sized enterprises. With excellent asset quality and remarkable growth potential, the Bank is a leading large retail bank in China. Adhere to serving the real economy, actively implement the national strategy, support the construction of China's modern economic system, and realize its own sustainable development. Adhere to customer-centric, build an online and offline integrated financial service system, and provide our customers with high-quality, convenient and efficient integrated financial services. Adhere to the risk orientation, constantly improve the "all-round, all-round, all-staff" comprehensive risk management system construction, and maintain the excellent level of asset quality. Loan contract is a form of economic contract. That is, the lender will deliver the money to the borrower for use, and the borrower will return a certain amount of money and interest to the lender on schedule in accordance with relevant regulations, and determine the rights and obligations between them. In order to ensure its own safety, the lender requires the borrower's financial status (especially its liquidity) to be at least as good as when signing the loan contract. The clauses listed in the loan contract to protect the interests of the lender are called protective contracts. The loan contract itself only means that the lender has the legal right to take action when the borrower violates the terms of the contract. Otherwise, the lender will be bound by its promised loan terms and will not take corrective measures before the contract expires. The borrower shall use the loan for the agreed purpose and shall not use it for illegal purposes. The purpose of the loan agreed in the loan contract shall not violate the provisions of the state on restricting operation, franchising and prohibiting operation by laws and administrative regulations.

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.

Four, China postal savings microfinance business publicity language?

The slogan of the Postal Savings Bank is as follows: 1. Green savings and a golden future II. China Postal Savings People's Financial Supermarket. Postal Union is universal. 4. Action stems from the commitment to service. 5. The ubiquitous finance of postal service is trustworthy. 6. New style of postal time-honored savings 7. Gold medal financial management-postal savings are more detailed. 8. Honest postal savings promote development and sincere service warms people's hearts.