Can the Postal Savings Bank apply for a loan?

Postal banks can apply for loans. It is one of the banks that provide loans.

The loan business of Postal Savings Bank is divided into the following three categories: farmers' joint guarantee loans, farmers' joint guarantee loans and merchants' joint guarantee loans.

Materials to be prepared for applying for small loans:

Small loan application form. Original and photocopy of valid ID card. Permanent residence booklet or proof of having lived in the local area for one year. Marriage certificate or marriage certificate.

Merchant loans also need to provide:

Original and photocopy of the business license that has passed the annual inspection; Engaged in franchising, it shall also provide the business license and copy of the relevant administrative departments. Certificate of property right of business premises or lease contract. Under normal circumstances, the bank will give a reply within 3 days after the on-the-spot investigation of the loan applicant.

In short, the Postal Savings Bank is a well-known state-owned commercial bank in China, with outlets all over the country, and the loan threshold of the Postal Savings Bank is not particularly high. As long as the applicant is between 18-65 years old, has full capacity for civil conduct, has a fixed residence in the local area, has a stable source of income, and has the ability to repay the loan principal and interest on schedule.