Meet the following conditions:

(1) China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;

(2) having a legitimate and stable economic income and the ability to repay the principal and interest of the loan on schedule; Law-abiding, no illegal acts and bad credit records;

③ Opening a personal settlement account in a loan bank (it is agreed that the borrowing bank will deduct the loan principal and interest from its designated personal settlement account).

(four) other conditions stipulated by the banks.

2 unsecured microfinance application process:

① Submit a loan application;

(2) Relevant materials for submitting loan applications;

(3) Submit the loan qualification to the lending institution for approval;

(4) The qualification examination has passed the risk assessment and quota accounting of the lending institution;

⑤ If the risk assessment is passed, the loan will be issued.

3, postal savings microfinance way:

Small loans for farmers of Postal Savings Bank are short-term loans to farmers to meet their agricultural planting, breeding or production and operation needs. Merchant microfinance refers to loans granted by private entrepreneurs (including sole proprietorships, partnership partners and individual shareholders of limited liability companies). ), engaged in production and trade in urban and rural areas to meet their production and operation capital needs of individual industrial and commercial households and urban self-employed. ?

4. Farmers' joint guarantee loan: refers to a joint guarantee team composed of 3 to 5 farmers who can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each household is temporarily 50,000 yuan.

5. Farmers' guaranteed loan: refers to farmers, who can apply for a loan from the Postal Savings Bank only by having 1 to 2 (depending on the loan amount) people with fixed jobs and stable income as their loan guarantors, and the maximum loan amount for each farmer is temporarily 50,000 yuan.

6. Joint guarantee loan for merchants: refers to a joint guarantee team composed of three individual industrial and commercial households with business licenses or owners of sole proprietorship enterprises, who can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas).

7. Merchant-guaranteed loan: refers to the owner of an individual industrial and commercial household or a sole proprietorship enterprise with a business license. As long as one or two people (the number depends on the loan amount) have a fixed job and a stable income as their loan guarantors, they can apply for a loan from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas).