Is it safe to paste your loan as an online loan or a bank loan?

When there is little money, there are two main channels to borrow money, banks and online lending platforms. At present, many banks have launched their own online loan products, which are very similar to online loan products. So is it a bank loan or an online loan?

Is mailing your loan an online loan or a bank loan?

Postal loan is a kind of online loan, which is provided by the third party China Post Consumer Finance Co., Ltd. and formally approved by the Postal Savings Bank. China Post Consumer Finance is a holding subsidiary of Postal Savings Bank, which was established with the approval of the Insurance Regulatory Commission of the Bank of China. Regular license plate, safe and reliable.

The maximum amount you can apply for is 200,000 yuan, and the annualized interest rate is 7.20%-23.76% (subject to the final approval result of China Post Consumer Finance). The loan term is 3-24 installments (the number of optional installments is limited by the applied amount, and the amount can be used multiple times).

Mailing your loan application process:

1. Mobile Banking: Log in to the mobile banking of Postal Savings Bank, click "Home-Loan-Mail Your Loan" and apply according to the prompts on the page.

2. WeChat applet: Open WeChat, search for the "post your loan" applet, click the Home Card button after entering the applet, and apply according to the page prompts.

Materials required to apply for mailing your loan:

1. Postal Savings Bank Mobile Banking: You can apply with your ID card and postal savings bank card. (Lending is limited to postal savings card)

2. Post your loan applet on WeChat: you can apply with your ID card and bank card. (Lending is not limited to card types)

Generally speaking, postal loans are online loans, but they are controlled by banks, so they are very formal online loans. If there is a need in this area, you can apply. Whether the application can be successful depends on the comprehensive evaluation score.