Payment method of postal preferential loan

First, the postal preferential loan disbursement method

Repayment method: equal principal and interest, average principal, one-time principal and interest repayment, and monthly interest repayment.

First of all, the unit that meets the conditions for applying for preferential loans from the Postal Savings Bank will be applied to the Postal Savings Bank by the unit leader, and then the bank will have special handlers to handle it at home. Applicants need to provide their ID card and fill in the loan application form, credit inquiry authorization and provincial inquiry authorization. After the processing is completed, a short message will be sent to inform whether it is approved.

Postal preferential loans:

The preferential loan of Postal Savings Bank is to manually review the loan application submitted by users. Under normal circumstances, the preferential loans of the Postal Savings Bank are online applications and offline audits. After the user submits the loan application, a special account manager will go to the door to apply for the loan, and the user needs to fill in the relevant information of the loan.

The preferential loan of Postal Savings Bank is a loan for formal employees of party and government organs, state-owned enterprises and institutions, finance, electric power, telecommunications, tobacco and other specific units.

Each application requires at least five people to apply, and users who have already applied can't do it again. The longest loan period of the Postal Savings Bank is 5 years, and the withdrawal period of the credit line does not exceed 30 months, and the credit line can be recycled.

Second, how to repay the loan?

Credit card repayment? If so, you can return the money transferred from the debit card to the credit card. There is also an ATM with credit card repayment function.

3. How to repay the preferential postal loan with the loan?

Postal preferential loans can be repaid with the loan. It can be agreed when applying for preferential postal loans. Is there a penalty for prepayment at any time? How to prepay?

Postal preferential loans can be repaid in advance and you can contact your own loan manager. Is there a corresponding regulation on whether prepayment is full prepayment or partial prepayment?

Be sure to make it clear when concluding a contract, otherwise there may be unnecessary trouble.

4. How to repay the preferential postal loan with the loan?

Postal preferential loans are repaid on time every month. If you want to prepay, you must first check whether there is an agreement on prepayment in the preferential loan contract. If there is an agreement, it shall be implemented according to the agreement. If there is no agreement, make an appointment with the bank in advance on how to repay. If you want to prepay, you need to call the customer service hotline of the Postal Savings Bank to make an appointment for prepayment. Then after the bank confirms the prepayment, the bank will inform the borrower of the prepayment time. At this time, the borrower can bring relevant information and repayment funds to the postal bank outlets to repay in advance on the repayment date.