How long will it take to restore the quota after the preferential loan is repaid?

As long as the platform can restore the quota within 30 minutes after the user repays the loan, it is very convenient to support the user to repay it with the loan.

The preferential loans of the Postal Savings Bank are for formal employees of party and government organs, state-owned enterprises and institutions, finance, electric power, telecommunications, tobacco and other specific units. Many people want to apply for preferential loans from the Postal Savings Bank.

How to apply for preferential loans from the postal bank

First, the unit will take the lead in applying to the Postal Savings Bank, and then the bank will have a special person to handle it. Applicants need to provide their ID card and fill in the loan application form, credit inquiry authorization and provincial inquiry authorization. After the audit is completed, there will be a short message to inform whether it is passed or not. It should be noted that each application requires at least 5 people. Users who have already applied cannot apply again. The longest loan period is 5 years, and the service period does not exceed 30 months. Restrictions can be recycled. How long does it take for the Postal Savings Bank to review the excellent loans? Generally, it takes about 7 working days, 15 days after approval, and the specific time is still subject to the actual lending time. Applicants can check the progress of loan issuance through the "Loan-Other" column of the mobile banking service of Postal Savings Bank. Preferential loan service refers to consumer loans issued by postal banks to formal employees of specific units. Eligible applicants can apply for a loan amount of up to 500,000 yuan.

Loan principle

The "three principles" refer to safety, liquidity and efficiency, and are the basic principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate in accordance with the principles of safety, liquidity and high efficiency, operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within the specified time, or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, when issuing long-term loans, the interest rate is higher than that of short-term loans, and the benefits are good, but the loan term is long, the risks increase, the security decreases, and the liquidity is weak. Therefore, the "three" are harmonious, and the loan can't go wrong.