What is the process of postal savings loan?

1. What is the process of postal savings loan?

1. When a borrower applies for a loan from a bank, it is required to prepare a loan application form, a valid personal identification certificate, a valid local residence certificate and other materials required for the loan;

2. Bank staff accept loan applications, examine and approve loan materials, and also need to go to the family residence for field visits;

3. After the loan is approved, the bank will notify to sign the loan contract, and after the contract is signed, the bank will lend money.

2. What is the application process of postal credit?

1 Download the Postal Savings Bank App, register and log in, and then fill in the personal information;

2 then find the postal savings loan in the loan, and click apply now;

3. According to the page prompts, fill in the loan amount, loan purpose and term and other related information;

4. Fill in the bank card for collection and repayment, and then verify the information;

Fill in and submit the application to complete the application, and wait for the audit news.

Whether the postal savings loan of the Postal Savings Bank is approved or not will be notified to the user by SMS, and the user must pay attention to the review SMS. After the approval, users only need to log in to the Postal Savings Bank App to complete the loan and repayment operation, without going to the offline outlets for operation.

Three, what is the postal savings loan process?

1. When a borrower applies for a loan from a bank, it is required to prepare a loan application form, a valid personal identification certificate, a valid local residence certificate and other materials required for the loan;

2. Bank staff accept loan applications, examine and approve loan materials, and also need to go to the family residence for field visits;

3. After the loan is approved, the bank will notify to sign the loan contract, and after the contract is signed, the bank will lend money.

4. What is the process of post office loan?

Borrowers only need to form a joint guarantee team or find a guarantor, bring their ID cards and other related materials, and apply at the opened outlets together. If they meet the application conditions and pass the examination and approval, they can get a loan after signing the contract.

Personal commercial loan

To apply for a personal business loan, the borrower needs to provide a mortgaged house, bring his ID card, business license, tax registration certificate, real estate license and other designated related materials to the local postal savings outlets to apply for a personal business loan, sign a loan quota contract and a guarantee contract after the quota is approved, and go through the mortgage registration procedures. The borrower can use the loan by stages at will within the approved amount.

deposit receipt

You can apply for a loan whether you have a certificate of deposit or not! Pledge with your own certificate of deposit and give it to yourself; If another person's certificate of deposit is pledged, it shall be pledged for others. For me, the borrower only needs to bring the original and photocopy of the time deposit certificate of the postal savings office and the ID card to the postal savings office to apply for a small amount. To handle other people, the pledgor needs to bring his ID card and a copy, and go through the formalities with the borrower at the outlet. After approval, the loan can be obtained within 1 day at the earliest.

The interest rate of fixed deposit certificate of postal savings is low, and the benchmark interest rate of the central bank for the same period is implemented. The loan amount falls by 5% at the interest rate of 654.38+ 10,000 yuan; The loan amount falls by 65,438+00% at the interest rate of more than 500,000 yuan; The maximum loan amount can reach one million.

Little knowledge of dealing with special situations

1. What should I do if the customer fills in the wrong form?

When a customer handles business at a business outlet, if the deposit and withdrawal voucher or application form filled in is wrong, such as ID number, account number, account name and other important information, don't throw it away at will. Take the wrong form home and destroy it to prevent others from stealing relevant account information after discovering invalid forms.

Second, customers need to inquire about the details of how to deal with compression.

The customer himself goes to the business outlet, provides the current passbook, explains the time period to be inquired to the salesperson, and inputs the account password. The salesperson will print out the transaction details and give them to the customer.

3. How to deal with the loss of the customer's deposit certificate, passbook or green card?

When a customer finds that a deposit slip, passbook or green card is lost, he should immediately report the loss to an online outlet with the identity certificate reserved when opening an account.