Advantages and disadvantages of postal savings enjoying loans.

How about a postal loan? Is it reliable?

Not bad!

1. Postal loan is a loan product used by Postal Bank for personal daily consumption for customers whose salaries are paid by Postal Bank at present. 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.

2. Postal loan is an online loan product belonging to Postal Savings Bank. You don't need to go to the local outlets. You can do it through online banking or mobile banking. The longest loan period is 2 years, so we should plan the repayment funds in advance.

3. 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 credit, or your credit in the postal service, and the amount of salary or deposit is considerable. You can satisfy one of the above. )

4. 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!

How about a direct bank loan? Is it reliable?

Relatively speaking, it is still relatively reliable, but we should also pay attention to careful operation. You Xiang Bank Direct Loan is actually a bank direct loan company. The operation mode is to connect customers at one end and banks at the other end, so that customers can directly handle their own loan business with banks on the direct loan platform. This is because microfinance companies rely on bank credit to handle their business, and their security is guaranteed. However, the interest rate is relatively high, and the loan is lent to the bank as much as possible, which is safe and the interest rate is relatively low. For the installment repayment of high-quality loans, notify the repayment date 12 in advance, without worrying about overdue repayment. The whole application process is also very simple, and there is no need for any mortgage or guarantee, and no need to submit information. In short, it can help you to have a safe and reliable loan platform. (For reference only)

You Xiang Loan is a high-quality loan launched by Postal Savings Bank for high-quality employees. Administrative institutions, central enterprises and subordinate enterprises, or formal employees in finance, electric power, telecommunications, ports, salt industry, oil refining, tobacco and other industries; Except for housing loan and credit card overdraft, there is no other debt, and anyone who can meet these conditions can apply.

Preferential loan application process: 1. First, in line with the conditions for applying for preferential loans from the Postal Savings Bank, the unit leaders shall apply to the Postal Savings Bank. 2. the bank will have a special agent to handle it at home. 3. The applicant needs to provide his/her ID card, fill in the loan application form, credit inquiry authorization and provincial inquiry authorization. 4. After passing, there will be a short message to inform whether it is passed.

Note: each application requires at least five people to apply, and users who have already applied can no longer do it. The longest loan period of the Postal Savings Bank is 5 years, and the withdrawal period of the credit line does not exceed 30 months, and the credit line can be recycled.

Product function: 1. The procedure is simple, just provide your ID card and proof of income. 2. Circular line, which can be borrowed or returned. 3. High quota and long term. 4. Credit guarantee.

How long does it take to review the preferential postal loan?

How long does it take to audit the preferential postal loan?

Generally speaking, within 3 days after the loan officer makes a field investigation on the borrower, the staff will communicate with the borrower and reply to the approval result. However, according to the staff of the Postal Savings Bank, if the borrower is really in a hurry, he can also communicate and coordinate with the accepting bank in advance to strive for faster lending time.

Everyone is short of money sometimes. If you need money urgently, you can get loans in the following ways: apply for online loans to borrow money: most online loans are credit loans, and there is no need for guarantees and collateral, such as borrowing money, micro-loans and JD.COM gold bars. After the application is successful, the next payment is made very quickly, and usually the money can be borrowed on the same day.

Which lending platform is the most formal and reliable, and the top ten lending platforms recommend lending apps with low interest rates and high pass rates:

Xiaoman Finance: Qianhua is a personal consumer credit service product launched by Baidu. After submitting your personal data, you can get a quota, and the review can be completed in 30 seconds at the earliest.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

At present, the maximum cost is 200,000 yuan, and the annualized interest rate is as low as 7.2%. The official has not specified how much money can be borrowed. Most users who spend money are generally around 30 thousand yuan, and some users are above 70 thousand yuan.

360 IOUs: 360 IOUs can borrow up to 200,000 yuan. The minimum daily interest rate of 360 IOUs is 0.027%. However, the real interest rate depends on the comprehensive qualifications of borrowers, and many people have applied for loans on 360 IOUs.

Click online measurement

Ping An New Loan (fast loan): Ping An Bank's new loan can provide you with a pure credit loan of1-500,000 yuan. The service period is 65,438+02,24,36,48, and the monthly interest rate is 65,438+0.1%-65,438+0.53%. A major product feature of Ping An Bank's new loan is that it does not need any mortgage or guarantee.

Ping An Xin Yi Dai Click Online Measurement

What about the preferential loan from the Postal Savings Bank? The first choice for quality users!

Postal savings bank is a well-known commercial bank in China, with many branches all over the country. Many people will choose to go here for financial business, and there are many loan products below. Today, I will introduce a loan suitable for high-quality users called You Xiang Loan, and see how it works and what application conditions are needed.

1. What about the preferential loan from the Postal Savings Bank?

Pure credit bank loans do not need mortgage guarantee, the interest rate is relatively low, and the most important thing is that the loan amount is high.

Loan interest rate: the annual interest rate is about 5%, which is related to the borrower's personal qualifications, credit and assets. Pay interest monthly, repay the principal and interest at maturity, and match the principal and interest, which is very flexible.

For example, the loan term is one year and the principal is RMB 654.38+RMB 00,000. According to the repayment method of equal principal and interest, the interest will be paid to 500 yuan for one year, and then the interest will be paid first and then the monthly repayment will be 4,654.38+0 yuan, and the monthly repayment will be 6,543.8+000,500 yuan after the principal and interest are paid for one year.

The loan term, up to 5 years, can be decided according to your actual situation. The better the personal qualification, the stronger the repayment ability and the longer the loan term.

Loan amount: monthly deposit amount of provident fund *8*30. For example, Xiao Wang personally pays the provident fund 1 1,000 yuan, and the amount is 1 1,000 * 8 * 30 = 240,000 yuan. For income, please refer to the after-tax or social security (provident fund) website to check the payment base.

Repayment method: you can choose equal principal and interest, average principal and monthly interest to repay the principal at one time.

Two, the postal savings bank preferential loan application conditions

(1) will check the borrower's personal credit information, and the debt ratio should not be too high, and there should be no overdraft or frequent loan application.

(2) Must be a regular employee of one of the following units: administrative institutions (including public schools and public hospitals); Central enterprises and their subsidiaries; State-owned enterprises and their subsidiaries in finance, telecommunications, electric power, tobacco, oil refining, ports, salt industry and other industries.