1. Can I still apply for a credit card after having a business license and a postal loan? What is the credit limit?

As long as the normal repayment limit after the loan depends on the bank's creditworthiness

The business loan limit of the Postal Savings Bank is a loan limit that is reviewed based on the business scope of your business license and can be used after application.

3. Can you borrow up to RMB 100,000 from Postal Bank with a business license?

Business introduction: Postal savings business is launched by Postal Savings Bank of China for farmers and merchants (small business owners) Loan products. Farmers refer to short-term loans issued to farmers to meet their agricultural planting, breeding or production and operation needs. Merchants refer to the funds issued to small business owners such as private business owners (including sole proprietors, partnership partners, individual shareholders of limited liability companies, etc.), individual industrial and commercial households, and urban self-employed individuals engaged in production, trade and other sectors in urban and rural areas. loans to meet its production and operation capital needs. Business varieties ◆ Farmer joint guarantee loan: refers to three to five farmers who form a joint guarantee group and no longer need other guarantees, they can apply for a loan from the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 50,000 yuan. ◆Farmer Guaranteed Loans: Refers to farmers who only need one or two (the number of people depends on the loan amount) people with fixed occupations and stable incomes as loan guarantors. They can apply for a loan from the Postal Savings Bank. Each farmer The maximum loan amount is temporarily 50,000 yuan. ◆Merchant Joint Guarantee Loan: Refers to three individual industrial and commercial households or sole proprietorship owners with business licenses forming a joint guarantee group. They no longer need other guarantees and can apply for a loan from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily It is 100,000 yuan (200,000 yuan in some areas). ◆Merchant Guaranteed Loan: Refers to an individual business owner or sole proprietorship owner with a business license who only needs to have one or two (the number of people depends on the loan amount) people with a fixed occupation and stable income as their loan guarantors. You can apply for a loan from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 100,000 yuan (200,000 yuan in some areas). The application process only requires the borrower to form a joint guarantee team or find a guarantor, bring his ID card, and if he is a merchant, he also needs to bring his business license, go to the opening outlet to apply and accept the investigation, and after passing the approval, you can get it after signing the contract. You can get the loan in as little as 3 days (after signing the contract). The loan term is measured in months, with the minimum being 1 month and the maximum being 12 months. Loan customers can choose the loan term independently according to their own production and operation cycle, repayment ability and other conditions. For joint guarantee loans, the joint guarantee loan agreement has a term of 2 years, and the loan application date and expiration date must be within the validity period of the joint guarantee agreement. Documents that the lender needs to submit when handling the loan business (1), 1. The original and copy of the borrower’s valid identity document (2), the borrower’s local permanent residence or proof of local residence for one year. (3) Customers applying for merchant loans must provide a business license that has passed the annual inspection. Those engaged in licensed operations must provide the original and copy of the business license from the relevant administrative department. (4) If the borrower is engaged in production and business activities, the borrower must provide proof of property rights of the business location or a lease contract. (5) If a natural person guarantee is involved, the original and copy of the guarantor's ID card, proof of work unit or income, and the guarantor's consent to provide A written commitment for guarantee (current products do not need to be issued, only a joint guarantee agreement and a guarantee contract are required); if a mortgage or pledge guarantee is involved, documents proving the ownership of the mortgage or pledge rights and the consent of the person with the right to dispose of the pledge (pledge) must be provided Written proof of the deposit. (6) If the business license has been issued for less than three months, but has been operating normally for more than three months and the business is in good condition, relevant purchase and sales certificates must be submitted. (7) Other information required by the lender. Repayment method ◆ One-time principal and interest repayment method ◆ Equal principal and interest repayment method ◆ Staged repayment method (only interest is paid during the grace period, and after the grace period, the loan is repaid according to the equal principal and interest repayment method). Note: Before the loan principal and interest are due, the borrower needs to deposit sufficient funds in the postal savings account where the loan is issued, and the computer system will automatically deduct the funds.

4. How much can I borrow with a business license from the post office?

Go to the post office for a business license and get a loan of up to 100,000 yuan.

Individual industrial merchants or sole proprietors who hold a business license can apply for a loan from Postal Bank as long as someone with a regular job and stable income provides loan guarantee (the number of guarantors is determined according to the loan funds). The maximum loan amount is 100,000.

To get a postal loan with a business license, you must have a guarantee to get the loan. If you can't find a guarantor, you can also use the property, car property, bank certificate of deposit, etc. in your name to get a mortgage loan.