Guidelines for applying for postal mobile banking consumer loans

1. Application Guide for Postal Mobile Banking Consumer Loans

The postal service in Chengdu can apply for consumer loans, but the approval rate on mobile phones is less than 20%. You can go offline. The conditions have been met

2. Does Postal Savings Mobile Banking offer quick loans?

Yes. The arrival time of Postal Savings Quick Loan is related to the processing speed of the person handling the business. If the person handling the business handles the business quickly, the arrival time will be faster. The loan limit of PSBC Quick Loan can reach 1.5 million yuan, and the loan term can reach 60 months. If you want to apply for a postal savings loan, the basic requirements are that the applicant has been in business for more than one year, has opened the bank's mobile banking, and has at least one operating loan record.

3. Postal Mobile Banking Consumer Loan Application Guide

Postal Savings Business is a loan product launched by China Postal Savings Bank for farmers and merchants (small business owners). Farmers refer to short-term loans issued to farmers to meet their agricultural planting, breeding or production and operation needs. Merchants refer to the funds issued to small business owners such as private business owners (including sole proprietors, partnership partners, individual shareholders of limited liability companies, etc.), individual industrial and commercial households, and urban self-employed individuals engaged in production, trade and other sectors in urban and rural areas. loans to meet its production and operation capital needs. Business varieties ◆ Farmer joint guarantee loan: refers to three to five farmers who form a joint guarantee group and no longer need other guarantees, they can apply for a loan from the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 50,000 yuan. ◆Farmer Guaranteed Loans: Refers to farmers who only need one or two (the number of people depends on the loan amount) people with fixed occupations and stable incomes as loan guarantors. They can apply for a loan from the Postal Savings Bank. Each farmer The maximum loan amount is temporarily 50,000 yuan. ◆Merchant joint guarantee loan: refers to three individual business owners or sole proprietorship owners with business licenses who form a joint guarantee group. They no longer need other guarantees and can apply for a loan from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily It is 100,000 yuan (200,000 yuan in some areas). ◆Merchant Guaranteed Loan: Refers to an individual business owner or sole proprietorship owner with a business license who only needs one or two (the number of people depends on the amount of the loan) people with a fixed occupation and stable income to serve as their loan guarantor. You can apply for a loan from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 100,000 yuan (200,000 yuan in some areas). The application process only requires the borrower to form a joint guarantee team or find a guarantor, bring his ID card, and if he is a merchant, he also needs to bring his business license, go to the opening outlet to apply and accept the investigation, and after passing the approval, you can get it after signing the contract. You can get the loan in as little as 3 days (after signing the contract). The loan term is measured in months, with the minimum being 1 month and the maximum being 12 months. Loan customers can choose the loan term independently according to their own production and operation cycle, repayment ability and other conditions. For joint guarantee loans, the joint guarantee loan agreement has a term of 2 years, and the loan application date and expiration date must be within the validity period of the joint guarantee agreement. Documents that the lender needs to submit when handling the loan business (1), 1. The original and copy of the borrower's valid identity document (2), the borrower's local permanent residence or proof of local residence for one year. (3) Customers applying for merchant loans must provide a business license that has passed the annual inspection. Those engaged in licensed operations must provide the original and copy of the business license from the relevant administrative department. (4) If the borrower is engaged in production and business activities, he must provide proof of property rights of the business location or a lease contract. (5) If a natural person guarantee is involved, the original and copy of the guarantor's ID card, proof of work unit or income, and the guarantor's consent to provide A written commitment for guarantee (current products do not need to be issued, only a joint guarantee agreement and a guarantee contract are required); if a mortgage or pledge guarantee is involved, documents proving the ownership of the mortgage or pledge rights and the consent of the person with the right to dispose of the mortgage (pledge) must be provided Written proof of the deposit. (6) If the business license has been issued for less than three months, but has been operating normally for more than three months and the business is in good condition, relevant purchase and sales certificates must be submitted. (7) Other information required by the lender. Repayment methods ◆ One-time principal and interest repayment method ◆ Equal principal and interest repayment method ◆ Staged repayment method (only interest is paid during the grace period, and after the grace period, the loan is repaid according to the equal principal and interest repayment method). Note: Before the loan principal and interest are due, the borrower needs to deposit sufficient funds in the postal savings account where the loan is issued, and the computer system will automatically deduct it.

4. How to apply for Postal Bank? Take Youxiangdai-Youkezunxiang as an example

As for the question "How to apply for Postal Bank", we must first clarify which product to choose. Is it a small product like Youxiangdai-Youkezunxiang? Credit consumption loans, or personal business loans such as Post-Easy Dai-Jisu Dai, let’s take “Post-Exit Loan-Youke Exclusive” as an example to take a look at the loan application conditions and how to apply.

How to apply for Postal Bank? 1. Loan application conditions 1. Be a Postal Bank customer and have your name, ID card, mobile phone number and other basic information in the Postal Bank system; 2. Have good personal credit, no current overdue, and not a Postal Bank blacklist customer; 3. . Applicants must be Chinese between the ages of 18 and 60 and have full capacity for civil conduct; 4. Other conditions stipulated by the Postal Bank shall be subject to the actual situation. 2. Loan application process 1. Postal Bank will send text messages or phone invitations to customers who meet the conditions of Postal Credit Loan-Youke Exclusive; 2. Customers need to apply within 1 month after receiving the invitation to be valid. Overdue applications will be You are prompted that you have no application permission; 3. Download Postal Savings Bank of China, log in, and click Loan - I Want to Spend - Postal Savings Loan - Loan Application; 4. You can also directly follow the "China Postal Savings Bank" WeChat official account and click Finance -Personal loan application-Youxiangdai-Youxiandai Youkexiong-apply now. Note that customers who meet the conditions of Youxiangdai-Youkexiang are mainly salary payment customers and high-quality customer groups in the wealth and loan industries. Not all customers who are over 18 years old and have good personal credit can apply. Those who have applied Loan funds can only be used for various legitimate personal consumption purposes such as car purchase, decoration, travel, education, etc., and cannot be used for house purchase, investment, etc. The above is the relevant content about "How to apply for Postal Bank". I hope it can be helpful to everyone.