Post your loan application conditions.

1. The borrower must be at least 18 years old, have full capacity for civil conduct, and must hold real and valid identity documents;

2. The borrower's personal credit is good, and there is no serious bad credit record such as loans overdue in the credit investigation, and there is no relevant abnormal record in the business dealings of the Postal Savings Bank;

3. The borrower's monthly income should reach more than 2,000 yuan, and he has certain repayment ability and strong repayment consciousness subjectively.

The above are the main application conditions for China Postal Savings Bank to lend money for you. However, if you want to apply for a postal savings loan, you don't have to meet three conditions. The specific requirements still need to be determined according to the actual situation.

Mail-to-loan is a typical online loan. On the one hand, it is necessary to apply through online channels, on the other hand, the lender of postal loans is China Post Consumer Finance. Bank lending usually refers to bank loans applied for through offline channels. This kind of loan needs to be signed in person. After the loan is approved, a loan contract will be signed with the bank, and finally the bank will lend money.

However, although the postal savings loan is an online loan, China Post's consumer finance is a licensed consumer finance, and the loan service provided is also formal and legal.

Post your loan should be an online loan platform under the China Post Consumer Finance, with fewer users and little information to find, so there is nothing to say.

I don't understand the current situation of postal loans. At the beginning of this year, some small partners reported the success of the loan (the tribes on the shore resolutely opposed the loan). The requirements of this product controlled by China Post Consumer Finance should be quite high.

If your credit is overdue, you will have to go to the credit bureau. Of course, consumer financial institutions will always keep your credit history, unless there is a little consumer finance like p2p this year, which is naturally impossible. Therefore, if you have money, you can negotiate repayment.

The approval of postal loan is based on the applicant's personal financial situation and credit information, which is comprehensively judged and audited by the system or manually. If the customer is not satisfied with the approved quota, he can cancel the loan confirmation and reapply. If the application fails, the customer can apply or try to apply for other loan products after three months (the re-application time limit set by China Post Consumer Finance for customers who fail to pass the examination and approval).

China Post Consumer Finance Co., Ltd., referred to as "China Post Consumer Finance", was established on October 20, 200515438+01month. Headquartered in Guangzhou, China Post Consumer Finance Co., Ltd. was established by seven well-known Chinese and foreign enterprises, including China Postal Savings Bank, with the approval of the Insurance Regulatory Commission of the Bank of China. Is a national financial institution that provides all-round consumer financial services for China residents. China Post Consumer Finance has set up provincial marketing centers in 16 provinces (cities), and inclusive finance serves the whole country. According to official website data of China Post's consumer finance, the registered capital of China Post's consumer finance increased to 3 billion yuan in 20 18.