Can Postal Bank lend money?

Yes, Postal Bank has many credit loans. One of them, which is suitable for office workers, is the postal loan-Xinke Exclusive, which is an unsecured small loan based on the borrower's personal credit. , with a maximum quota of 200,000 yuan, open to applications for current employees aged 22-60 who have been employed for three months or more. You can bring your documents to the branch for consultation.

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1. Postal Bank Credit Loan Processing Tips

1. Maintain personal credit: Borrowers can check their credit report before taking a loan. To determine the current credit status, it mainly depends on whether there are any overdue records in the past 2 years and the number of inquiry records. Be sure not to be overdue three or six times in a row within 2 years. Pay off the overdue loans if they are not serious before taking out a loan. The more you check records, it will take 3 to 6 months to improve your credit score.

2. Work hard to make money and increase your income: First of all, the borrower must have a stable job income. While ensuring the basic source of income, you can also use your free time to do some part-time jobs, such as running Didi and delivering goods. Takeout, write copy for others, etc. The higher the income, the stronger the repayment ability, and the easier it is to get a credit loan.

3. Business dealings with Duohe Bank: Postal Bank credit loans not only refer to the borrower's credit status, but also refer to his contribution to the bank. For example, buying financial products at the bank, applying for home loans and car loans, making deposits, using credit cards, etc. can all increase your contribution to the bank.

2. Merchant small loans refer to private business owners (including sole proprietors, individual partners of partnerships, individual shareholders of limited liability companies, etc.) and individual businesses in urban and rural areas who are engaged in production, trade and other activities. Loans issued to small business owners such as households and urban self-employed individuals to meet their production and operation capital needs.

3. Repayment method:

The one-time principal and interest payment method, that is, the one-time repayment of the principal and interest of the loan upon maturity, is only applicable to loans with a term of less than 3 months (inclusive). Small loans for merchants and small loans for farmers within 4 months (inclusive);

Equal principal and interest repayment method, that is, repaying the principal and interest of the loan in equal amounts every month during the loan period;

Phased equal principal and interest repayment method, that is, only loan interest is repaid during the loan grace period. After the grace period, the loan is repaid according to the equal principal and interest repayment method. For small-amount loans to merchants, the loan grace period is up to 4 months; for small-amount loans to farmers, the loan grace period is up to 10 months. The provincial branch should, based on the agricultural production cycle or capital turnover, within the longest grace period. Reasonably determine the maximum grace period for local loans.

Note: The above repayment methods vary by region. Please consult your local Postal Savings Bank for details.