Is it easy for postal loans to pass the examination and approval?

Not bad! Postal savings loan is a loan product used by postal bank for personal daily consumption for customers currently paid by postal bank. The biggest feature of this product is to actively grant credit to high-quality customers without mortgage and guarantee, and the loan amount is mainly determined according to everyone's salary income. According to playing cards and oranges, the amount that each person can apply for is about 90% of his annual income, but at present, the maximum amount of application provided to each person does not exceed 300,000 yuan.

1. Postal savings loans mainly serve customers who pay by post, mainly for personal daily consumption. The biggest feature is also the limitation, that is, automatic credit granting is only for high-quality customers, without mortgage and guarantee, and the loan amount is mainly adjusted according to personal salary income. The judgment of a good customer depends on your own good credit information, or you have good credit in the postal service, and your salary or deposit amount is considerable. Just satisfy the above one. )

2. Loan interest:

The loan interest rate refers to the latest central bank loan benchmark interest rate of 20 19.

(1) Short-term loan: within one year (including one year), with annual interest rate of 4.35%;

(2) Medium-and long-term loans: one to five years (including five years), with an annual interest rate of 4.75%; For more than five years, the annual interest rate is 4.90%;

(3) Personal provident fund loans: less than five years (including five years), with an annual interest rate of 2.75%; For more than five years, the annual interest rate is 3.25%. (The central bank's loan interest is only a minimum standard. Basically, it is estimated that there will be a large amount, and the postal savings loan will also rise according to the amount and duration of the loan. When applying for a postal savings loan, you can calculate the approximate amount at the Postal Savings Bank or consult the service hotline of the Postal Savings Bank. )

How to operate if you want to repay in advance?

1. Most applications for loans are only for temporary needs. Once they have money, they want to pay it back, but the old irons also know that some of them don't support prepayment.

2. Like the postal savings loan mentioned today, if an old railway wants to repay in advance, it is necessary to know whether there is an agreement in your loan contract to advance the loan. If there is an agreement, it shall be implemented according to the agreement.

Or you can call the credit center of the loan bank to find out whether the loan you handle can be repaid in advance. If it is clearly stated that you can repay the loan in advance, you can go to the bank outlet with relevant information for prepayment.

It is also important to note that you can make an appointment after repaying in advance, because most postal savings banks need to make an appointment in advance in order to ensure the orderly development of their business. You can call in advance to make an appointment at the bank outlet for prepayment. Then fill in the prepayment application form and submit relevant information and documents. The whole process is relatively simple. You just need to deposit the money in your repayment bank card, and the bank will automatically deduct the money!

Is there any hope that the postal loan will pass the preliminary examination?

There is great hope.

The probability of rejection of postal loans after preliminary examination is very low. After the preliminary examination of the materials provided by the applicant, personal credit records and other materials, a telephone call back is needed. For the applicant, the content of the telephone call-back is basically what he filled in on the application form. As long as the information and answers are correct, they can generally pass.

How to apply for a postal savings loan: First of all, the borrower must be between the ages of 25 and 55, and be a citizen of China and China with full civil capacity; Secondly, it is also a bank pre-credit customer, that is, a qualified high-quality agent customer.

The specific requirements are as follows:

1. Recently, the Postal Savings Bank has a continuous payroll record, and the monthly payroll frequency meets the requirements of the Postal Savings Bank.

2. The agency shall meet the requirements of the nature of the Postal Savings Bank, the number of agents and the amount of wages.

3. Finally, you must receive the application message pushed by the Postal Savings Bank, and apply within 1 month after receiving the message. If it expires, it cannot be processed.

Can China Post Bank enjoy the batch of postal savings loans?

Postal loan of Postal Savings Bank is a pure online credit loan under the Postal Savings Bank, with a maximum loan amount of 300,000. Successful applicants can choose to repay in full and on time, or they can choose to repay in advance. If users choose online self-service prepayment, there will be no repayment penalty.

Can the Postal Savings Bank enjoy the batch of postal savings loans?

Postal savings banks cannot approve postal savings loans, and they cannot apply if they do not meet the application conditions. Postal savings bank's postal savings loans are mainly distributed to its payroll customers or VIP customers, and the application conditions are relatively strict. Postal savings loan of Postal Savings Bank is a personal credit loan for consumption, which is mainly for high-quality customers who meet the postal savings conditions.

What are the application conditions?

1 The applicant must be between 25 and 55 years old and have the ability to repay the loan on time.

Users with full capacity for civil conduct have continuous payroll records in the Postal Savings Bank, and the monthly payroll times meet the requirements.

The average monthly balance of assets in the Postal Savings Bank in the past three months is not less than 654.38+10,000 yuan, including funds, government bonds, wealth management, deposits, foreign currencies, insurance and precious metals.

The applicant has no outstanding loan balance in the Postal Savings Bank, and the accumulated overdue records in the past 24 months are no more than 6 times and no more than 3 consecutive overdue periods.

Generally speaking, the postal loans of the Postal Savings Bank are not well approved. Postal savings bank's application conditions for postal savings loans are relatively strict, and because of the high amount, its applicants need to submit more materials. Postal loan is a loan business for high-quality customers launched by Postal Savings Bank, and the amount applied by users is 90% of their annual income.

Postal loan of Postal Savings Bank is a credit loan launched by Postal Savings Bank. Many people want to apply for postal loans from the Postal Savings Bank to solve the financial problem, but they failed to apply for postal loans from the Postal Savings Bank. So what happened after the Postal Savings Bank failed to apply for a postal loan?

The postal bank did not approve the application for postal loan.

The main reason why the postal service failed to apply for postal loans was that it did not meet the qualification of the postal service to apply for postal loans. To apply for a postal loan from the Postal Savings Bank, the applicant must be between 18 and 55 years old, have a stable job and income, have the ability to repay the loan, and have a good personal credit. If it is found that the applicant's personal credit is overdue or the debt is high, it means that the postal bank does not meet the conditions for applying for postal credit, then it will be rejected.

Postal savings bank's postal savings loans are mainly aimed at high-quality customers. If it is not a quality customer, it is difficult to apply for a postal loan. If you want to apply for a loan from the Postal Savings Bank, you must maintain a good personal credit report and reduce your personal debt. Only if you meet the application conditions can you have a chance to apply for approval.

Postal savings loans have been audited for several days. Is it stable?

Unstable. According to official website, the approval of postal savings loans is not easy to pass. Postal loans are mainly unsecured and unsecured personal credit loans for high-quality customers, which have higher requirements for applicants. Users who do not meet the requirements cannot enjoy e-mail approval loans.