With a tobacco certificate, you can apply for a "tobacco loan" at China Postal Savings Bank. The "tobacco loan" is a loan issued by China Postal Savings Bank to supermarkets or store operators engaged in tobacco sales to meet their capital needs for production and business activities.

loan amount: the maximum single amount is 5, yuan.

loan term: up to 12 months.

Applicable object:

1. Possess a tobacco monopoly retail license and the registrant of the license is himself and his spouse. When applying for a loan, the tobacco monopoly retail license must be within the validity period, and there is a business of collecting tobacco money in our bank or other banks.

2. Married and aged between 25 years old (including 25 years old) and 6 years old (including 6 years old).

3. Have a physical store with an operating life of more than 2 years (including 2 years). If the physical store is leased, the leasing behavior must be stable for a long time.

Extended information:

Required information for application:

1. Original and photocopy of my ID card, original and photocopy of my business license that has passed the annual inspection, proof of property rights of business premises or lease contract.

2. Married applicants are also required to provide the original and photocopy of their spouse's ID card and the original and photocopy of their marital status certificate (marriage certificate or household registration book with husband and wife registered together).

3. In case of franchising, the original and photocopy of the business license of the relevant administrative department shall also be provided.

4. If other natural persons (or legal persons) provide guarantee for the loan applicant, the guarantor shall be audited (or admitted) by the bank and provide relevant certification materials according to the requirements of the bank.

5. Other materials required for handling the loan.

China Postal Savings Bank-Tobacco Loan