Is the loan from the Postal Savings Bank for you?

How to borrow the mail on the postal mobile phone?

Postal loan is a formal and legal loan launched by China Postal Bank. As long as you meet the loan conditions of China Post Bank, you can borrow money, but the interest is a bit high.

You-by-post loan is the online loan platform of China postal consumer finance established by China Postal Savings Bank. As a platform with a banking background, you will publish credit information. So once everyone's loans overdue, it is likely to affect their own central bank credit record.

Here are some suggestions to help you protect your personal credit.

1. When applying for a loan, you must make a reasonable loan plan, choose the loan amount and repayment period according to your repayment ability, and don't borrow too much.

2. After the loan is successful, be sure to remind them to repay, so as to ensure that they can repay on time and on time every month, and don't be overdue because they forget.

3. Develop the habit of saving cash during the loan period, don't spend all the cash, and don't buy fast tx.

Financial products.

4. After discovering that you have overdue loans, you must borrow money from relatives and friends in time, or sell your valuables to cash out.

5. If it is overdue, you need to contact customer service while actively repaying, strive for more repayment time, and protect personal credit as much as possible.

Under normal circumstances, a credit investigation will be conducted after the loan, and the loan must be used in accordance with the contract during the loan process.

Postal savings in China can be traced back to the postal savings business established in 19 19, which has a history of more than 100 years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the company was restructured into a joint stock limited company. 20 15 and 12, domestic and foreign strategic investors were introduced 10. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 12 was listed on the Shanghai Stock Exchange, successfully achieving the three-step reform goal of "share reform-going out-dual listing of A and H".

The bank has nearly 40,000 outlets, serving more than 600 million individual customers, giving full play to the unique advantages of the "self-support+agency" model and serving the "three rural issues", urban and rural residents and small and medium-sized enterprises. With excellent asset quality and huge growth potential, this bank is a leading large-scale retail bank in China.

Mail your loan, mail your flowers, online loan or bank loan?

Postal loans to you and postal loans to you are typical online loans. On the one hand, you need to apply through online channels; On the other hand, the lender of postal loan 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.

Postal savings loan is a credit consumer loan product under China Post Consumer Finance, and its lending funds come from China Post Consumer Finance, not China Postal Savings Bank. Therefore, postal loan is not a bank loan product. As a credit product, postal loan has a long loan period, up to 24 periods.

1. The difference between mailing your loan and mailing your money mainly focuses on the loan amount, loan term, repayment method and loan interest.

Details are as follows:

The loan amount can provide you with unsecured and unsecured loans of no more than 200,000 yuan. Although it is also a pure credit loan, the loan amount cannot exceed 50,000 yuan. Therefore, mailing your loan mainly serves friends who have great loan needs. During the loan period, the loan period is 2 years and the loan period is 3-48 months. In other words, the loan term of the postal savings loan is much longer than that of the postal savings wallet.

2. How did you spend it on China Post wallet?

In terms of repayment methods, mail wallet and mail you spend support recycling, while mail you loan is repaid by installments and monthly. From the perspective of repayment, the repayment method of China Post wallet mail is more flexible and will not bring great repayment pressure to everyone. The loan interest can be as low as 0.04% of the daily loan interest rate. In other words, you can borrow 10000 yuan from China Post wallet, and the annual interest rate is about 1460 yuan. If you borrow 10000 yuan from the postal savings office, the annual interest can be as low as 777 yuan. It can be seen that mailing your loan interest is much lower than mailing your loan interest.

Article analysis: How to get an app loan from the Postal Savings Bank?

The continuous development of internet financial technology has driven many industries, and online lending platform is one of them. The faster the mobile Internet technology develops, the more small loan platforms there are on the Internet. In order to meet the needs of different users, banks have also launched some small loan products. How to borrow app loan from Postal Savings Bank?

How to borrow app loan from Postal Savings Bank?

First of all, we should make it clear that the Postal Savings Loan app belongs not only to the Postal Savings Bank, but also to China Post Consumer Finance Co., Ltd., a subsidiary of China Postal Savings Bank. Postal savings loans and postal savings banks have a certain relationship, but they are not directly related.

1, mail your loan application conditions.

If you want to apply for a postal loan, the user needs to be 18 years old and not a student at school. The user's personal credit information is in good condition, and there is no serious loans overdue record. There can be no abnormal loan record in China Post's consumer finance. Users need to have a stable job and income source, and the monthly income should be more than 2,000 yuan, otherwise it is difficult to have a stable repayment ability.

2. Precautions for mailing loans

When the user meets the basic loan conditions for mailing your loan, don't rush to apply for mailing your loan. Users can check their personal credit report to see what the debt ratio is before applying for mailing you a loan. If the debt ratio exceeds 50% of the user's monthly income, then this user is a high-risk user, and your application for mailing a loan may be rejected.

In addition to the debt ratio, users also need to pay attention to the authenticity of their personal information. It is best not to cheat, especially the source of income and work unit. Once discovered, the postal loan system will directly close the user's loan channel.

The above is the related content sharing of "Postal Savings Bank app Loan Mail Your Loan", I hope it will help everyone!