China Post's ultra-fast loan audit has been going on for three days, and there is no result yet.

China post's ultra-fast loan has not been reviewed for three days. It may be a weekend or a holiday. Under normal circumstances, if the information is complete when applying for China Post's ultra-fast loan, the audit results can be issued on the day of submission, and then the results can be informed by SMS. After successful application, the loan can be released within 1 hour. And after the review and submission, you can check the application progress on the app. If you apply for China Post's ultra-fast loan, you will also check the credit record at the meeting. In addition to credit reporting, applicants must be 20-50 years old, have a stable job and income, and have the ability to repay, before they can apply for loans.

I. Overview of ultra-fast loans

In order to further adapt to the development trend of mobile internet finance, the small-sum "ultra-fast loan" business is the first pure online personal business loan product launched by Postal Savings Bank through independent research and development and application of "big data" technology, taking mobile banking as the carrier, which has effectively promoted the development of individual industrial and commercial households and small and micro business owners, effectively supplemented the blank of personal business loans in the Internet field, and has the operational advantages of "simple application, quick approval and flexible use", allowing the majority of merchants to realize loans without leaving home. Especially during the epidemic period, as a pure online loan, "quick loan" products effectively reduced the gathering and flow of people, reduced the risk of cross-infection, and ensured the personal safety of customers and bank employees.

Second, China Post ultra-fast loan application conditions

1. The applicant must be between 20 and 50 years old, have full capacity for civil conduct and be able to provide valid identification such as ID card.

2. Have a stable job and income, and provide proof of address, proof of income source, bank statement, etc. Generally, the monthly income is required to be twice as much as the monthly payment.

3. Require the applicant to have a good personal credit record and no bad credit record.

4. Bind postal savings card and improve personal information. It can be beneficial to the application of China Post's ultra-fast loan.

Third, the ultra-fast loan service of China Post was launched.

1. Applicable object: self-employed persons (farmers and merchants) with high credit status and age of 18-60.

2. Credit line: the maximum loan for a single household is 300,000 yuan.

3. Loan term: the longest is 24 months.

4. Interest rate: 6%- 10%, subject to the actual interest rates in various places.

5. Withdrawal method: the amount is cyclical, and the amount borrowed is returned.

6. Repayment method: equal principal and interest, one-time principal and interest repayment, and monthly principal and interest repayment at maturity.