Can the Postal Savings Bank borrow money?

1. Can the Postal Savings Bank lend money?

Yes, the Postal Savings Bank has many credit loans, one of which is suitable for office workers to apply for. It is a postal savings loan exclusive to paying customers, that is, an unsecured loan with a maximum amount of 200,000 yuan, which is open to employees aged 22-60 who have been employed for three months.

In addition to meeting the basic requirements, the borrower must have good credit and have not defaulted on various loans before applying for the exclusive use of postal savings loans-paid customers. He can apply for this credit loan online through channels such as Postal Savings Bank, Mobile Banking, WeChat Bank and Yixin Loan APP.

2. Can the Postal Savings Bank lend money?

Yes, the Postal Savings Bank has many credit loans, one of which is suitable for office workers to apply for. It is a postal savings loan exclusive to paying customers, that is, an unsecured loan with a maximum amount of 200,000 yuan, which is open to employees aged 22-60 who have been employed for three months. You can bring your documents to the outlets for consultation. : 1. Post Bank credit loan handling skills 1. Maintenance of personal credit: borrowers can check their credit reports before lending money to understand the current credit status, mainly depending on whether there are overdue records in the past two years and the number of times to check the records. Within 2 years, it shall not be overdue for 3 or 6 times in a row. If the overdue period is not serious, the loan should be paid off. It takes 3 to 6 months to check the records. 2. Strive to make money and increase income: First, the borrower must have a stable income from work. Under the condition of ensuring the basic source of income, he can also do some things in his spare time, such as running Didi, delivering takeout, writing copywriting for others and so on. The higher the income, the stronger the repayment ability, and the easier it is to apply for credit loans. 3. Do more business with banks: In addition to the borrower's credit situation, the credit loan of the Postal Savings Bank should also refer to its contribution to the bank. For example, buying wealth management products in banks, handling mortgage and car loans, handling deposits and using credit cards can all increase their contributions to banks. 2. Businessmen refer to loans granted by private entrepreneurs (including individual proprietorships, individual partners of partnerships, individual shareholders of limited liability companies, etc.). ), engaged in production and trade activities in urban and rural areas to meet their production and operation capital needs of individual industrial and commercial households and urban self-employed. 3. Repayment method: One-time repayment of principal and interest, that is, one-time repayment of loan principal and interest at maturity, which is only applicable to merchants with a loan term of less than 3 months and farmers with a loan term of less than 4 months; Equal principal and interest repayment method, that is, equal repayment of loan principal and interest every month within the loan term; Repayment of principal and interest by installments, that is, only the loan interest is repaid during the grace period of the loan, and then the loan is repaid according to the equal principal and interest repayment method after the grace period. For merchants, the longest grace period for loans is 4 months; For farmers, the longest grace period for loans is 10 month, and provincial branches should reasonably determine the longest grace period for local loans according to the agricultural production cycle or situation. Remarks: The above repayment methods vary from region to region. Please consult your local Postal Savings Bank for details.

3. Can China Postal Savings get a loan?

I can do it.

4. Can the Postal Savings Bank lend money? Do you need a guarantee?

If the application is sent by mail, the bank will verify the amount according to your specific situation. Now bank loans need mortgage guarantee procedures, depending on your specific situation.