Need. 10.5 million mail loan contract needs the approval of family members, because the mail loan is carried out on a family basis and needs the signature of both husband and wife. Postal savings loan contract is a loan product launched by Postal Savings Bank for farmers and merchants. Borrowers need to form a joint guarantee team or find a guarantor, bring their ID cards, apply to the outlets that offer small loans together, be investigated and approved, and then they can get the loan after signing the contract.