What kind of loan is a tobacco loan? What documents do I need to apply for?

First, what is a tobacco loan? What documents do I need to apply for?

"Tobacco Loan" is an innovative product developed by Anhui Branch of Postal Savings Bank on 20 14. This product is mainly aimed at customers who cooperate with the Postal Savings Bank, pay more than 200,000 yuan a year for tobacco, and operate tobacco hotels, department stores and convenience stores. A single loan can reach up to 500,000 yuan. Borrowers with good credit can obtain loans directly with personal credit, without mortgage, guarantee and other guarantee procedures.

Because of the exclusive characteristics of this "cigarette loan" product and the risk control means based on the real transaction flow of customers, it is a real commercial credit loan.

If you have a tobacco license, you only need to provide a tobacco license and business license. It is required that the number of cigarette stalls is more than 5, the legal person age of individual industrial and commercial households is 18-60, there is no overdue record of credit investigation, and the examination and approval results are issued within 3 minutes, with a maximum of 500,000, which can be returned as you borrow, with preferential interest.

Extended data:

Application conditions

I. Requirements of the Borrower

1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall not exceed 70 years old.

Two. Information to be provided by the borrower

1, ID cards of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.