What materials do you need for the initial review of postal loans to pass the audit?

Is there any hope that the postal loan will pass the preliminary examination?

There is great hope.

The probability of rejection of postal loans after preliminary examination is very low. After the preliminary examination of the materials provided by the applicant, personal credit records and other materials, a telephone call back is needed. For the applicant, the content of the telephone call-back is basically what he filled in on the application form. As long as the information and answers are correct, they can generally pass.

How to apply for a postal loan: First, the borrower must be between 25 and 55 years old and a citizen of People's Republic of China (PRC) (China) with full civil capacity; Secondly, it is also a bank pre-credit customer, that is, a qualified high-quality agent customer.

The specific requirements are as follows:

1. Recently, the Postal Savings Bank has a continuous payroll record, and the monthly payroll frequency meets the requirements of the Postal Savings Bank.

2. The agency shall meet the requirements of the nature of the Postal Savings Bank, the number of agents and the amount of wages.

3. Finally, you must receive the application message pushed by the Postal Savings Bank, and apply within 1 month after receiving the message. If it expires, it cannot be processed.

Postal loan application conditions

The application conditions for postal loans are as follows:

1. Users should be between 18 and 60 years old, and be China citizens with full civil capacity.

2. The user is not in the blacklist of the Postal Savings Bank, and there is no record of overdue loans, credit cards or quasi-credit cards;

3. The pre-credit user already has basic information such as name, telephone number and ID number in China Postal Savings Bank:

4. The user recently has a record of paying wages in the Postal Savings Bank, and the number of paying wages meets the requirements of the Postal Savings Bank;

5. The representative unit, amount and number of representatives meet the requirements of postal savings.

Go through the formalities:

1. Materials to be submitted by the lender when handling the loan business (original and photocopy of the borrower's valid identity certificate), and proof that the borrower has lived in the local permanent residence or has lived in the local area for one year.

2. Customers applying for merchant loans must provide business licenses that have passed the annual inspection. Engaged in licensed business, it shall provide the original and photocopy of the business license of the relevant administrative department.

3. If the borrower is engaged in production and business activities, it must provide the property right certificate of the business premises or the lease contract (involving the guarantee of natural persons, the original and photocopy of the guarantor's ID card, proof of work unit or income, and the written commitment of the guarantor to provide the guarantee). The current products do not need to be issued, only need to sign a joint guarantee agreement and guarantee contract; Where mortgage or pledge guarantee is involved, it is necessary to provide the ownership certificate of the mortgaged property or pledge right and the written certificate that the authorized person agrees to pledge.

4. If the business license has been applied for less than three months, but the business has been in normal operation for more than three months and the business is in good condition, relevant purchase and sale certificates shall be submitted.

What is the procedure of postal loan?

Postal loan application conditions:

1. User requirements: high-quality enjoyment is granted to users aged 25-60, who must be full-time employees of party and government, administration, institutions and high-quality enterprises, and customers with houses can apply for mortgage loans; The exclusive salary requirement requires the applicant to be between 18-60 years old and have a stable job; The privilege of high-quality customers is only open to high-quality stock customers of Postal Savings Bank.

2. Credit information requirements: There are strict requirements for personal credit information, requiring that personal credit information is in good condition and there is no bad credit information record.

3. Income requirements: It is important to consider personal income. The applicant has a stable income and job, and has the ability to repay on time.

4. Use of the loan: After applying for the loan successfully, the loan amount must be used in accordance with the regulations of the bank, which can be used for house decoration, car purchase and tourism, but not for investment.

5. Other conditions stipulated by the Postal Savings Bank.

Generally speaking, as long as users meet the above conditions, they can apply for loans directly through the Postal Savings Bank and mobile banking. It is worth mentioning that the credit lines of different postal modes are different, of which the maximum premium credit line is 6,543,800 yuan, and the maximum premium credit line and salary credit line are 200,000 yuan.

I have engaged in bank credit for many years. If I want to apply for 1-20W fund turnover by myself, which online platforms are more formal and easier to apply by myself? On the whole, Baidu (Xiaoman) is a platform with high pass rate. The credit line is the highest and the interest is low. I have a car loan and gave me a credit line of 9.5W, which I recommend to my colleagues as a direct credit line 18W.

If there is a demand for capital turnover, the degree is small and complete-there is money to spend, big brands are reliable, and interest rates are low and trustworthy. If you have money to spend, you can borrow money easily. The maximum loan amount is 200,000 yuan, and the daily interest rate is as low as 0.02%. Lending in 3 minutes at the earliest. The specific amount depends on personal assessment!

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Reminder: Try to withdraw cash in full after the quota is issued, because risk control is dynamic. Now the loan is not enough. If there is demand, it is best to withdraw it in full. Support early settlement of repayment after the first installment.

Many people don't have enough money to spend. You can try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict! 360 IOU is the financial service of 360 antivirus software, and installment music is owned by Lexin, both of which are big companies.

360 IOUs, with a maximum loan of 200,000!

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Staging music can be borrowed up to 50 thousand!

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The postal credit loan of 30 million yuan has passed the first trial. Will the final trial be rejected?

Usually not.

After the preliminary examination of the materials provided by the applicant, personal credit records and other materials, a telephone call back is needed. For the applicant, the content of the telephone call-back is basically what he filled in on the application form. As long as the information and answers are correct, they can generally pass.

The probability of rejection of postal loans after preliminary examination is very low. You Xiang loan is a personal credit loan with many small branches, which is designed by the Postal Bank for different types of people. Because it is designed according to different types of people, users should verify the specific information of the loan they need to buy when purchasing the loan.