What are the application conditions for postal loans?

1. User requirements: high-quality enjoyment is granted to users aged 25-60, who must be full-time employees of party and government, administration, institutions and high-quality enterprises, and customers with houses can apply for mortgage loans; The exclusive salary requirement requires the applicant to be between 18-60 years old and have a stable job; The privilege of high-quality customers is only open to high-quality stock customers of Postal Savings Bank.

2. Credit information requirements: There are strict requirements for personal credit information, requiring that personal credit information is in good condition and there is no bad credit information record.

3. Income requirements: It is important to consider personal income. The applicant has a stable income and job, and has the ability to repay on time.

4. Use of the loan: After applying for the loan successfully, the loan amount must be used in accordance with the regulations of the bank, which can be used for house decoration, car purchase and tourism, but not for investment.

5. Other conditions stipulated by the Postal Savings Bank.

Generally speaking, as long as users meet the above conditions, they can apply for loans directly through the Postal Savings Bank and mobile banking. It is worth mentioning that the credit lines of different postal modes are different, of which the maximum premium credit line is 6,543,800 yuan, and the maximum premium credit line and salary credit line are 200,000 yuan.

The above is the introduction of some conditions that need to be met in applying for a postal savings loan, hoping to be helpful.

I. Introduction of Postal Loan:

Postal loan is a personal credit issued by China Postal Savings Bank to natural persons, which can be used for various legitimate consumption purposes. Strictly speaking, loan products include a variety of modes, including three modes: exclusive to paying customers, exclusive to excellent customers and high-quality enjoyment. Different loan models are aimed at different user groups, which means that only qualified users who meet certain conditions can apply for the corresponding loan products.

Second, the postal loan application steps:

1. The bank first pushes short messages to customers who meet the credit conditions of postal loans;

2. After receiving the SMS, the borrower applies for a postal savings loan through mobile banking within one month. At present, personal online banking does not support application for the time being.