What are the procedures for postal loans?

1. What are the procedures for postal loans?

Postal savings have clear provisions on small amount and loan period. The maximum small amount of a single customer is not more than 200,000 yuan (including 200,000 yuan), the maximum amount of others is not more than 6,543,800 yuan (including 6,543,800 yuan), and the minimum loan amount is 6,543,800 yuan. Each loan shall not exceed 90% of the total amount of pledged certificates of deposit, and the maximum number of pledged certificates of deposit shall be five. If the approval is successful, the borrower can get the loan within two days. Postal interest rate is the benchmark interest rate stipulated by the People's Bank of China. The loan interest rate for less than half a year is only 5.58%, the loan interest rate for half a year to one year is 6. 12%, and the minimum loan interest is 1.55 yuan/day. If the loan exceeds 50,000 yuan (excluding), the loan interest rate can be lowered by 5%.

2. What are the application conditions for postal loans?

Postal loan application form

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, and personal credit information is required to be in good condition.

3. Income requirements: For the number of individuals, the applicant has a stable income and job, and has the ability to repay on time.

After success, the loan amount 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, you can apply for a loan directly from the mobile banking. The loan amount is different, among which the maximum amount of RMB, VIP and salary customers is 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:

China Postal Savings Bank is a consumer loan that can be granted to natural persons. Strictly speaking, loan products include three modes: exclusive to paying customers, exclusive to excellent customers and high-quality enjoyment. Different loan models are aimed at different users, and only when certain conditions are met can they apply for corresponding loan products.

Second, the postal loan application steps:

1. The bank will first push the SMS 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.

3. What is the application process of postal credit?

1 Download the Postal Savings Bank App, register and log in, and then fill in the personal information;

2 then find the postal savings loan in the loan, and click apply now;

3. According to the page prompts, fill in the loan amount, loan purpose and term and other related information;

4. Fill in the bank card for collection and repayment, and then verify the information;

Fill in and submit the application to complete the application, and wait for the audit news.

Whether the postal savings loan of the Postal Savings Bank is approved or not will be notified to the user by SMS, and the user must pay attention to the review SMS. After the approval, users only need to log in to the Postal Savings Bank App to complete the loan and repayment operation, without going to the offline outlets for operation.

Fourth, how to apply for postal loans

Postal savings loan applications can be handled through the Postal Savings Bank App. The specific steps are as follows: the user installs the Postal Savings Bank App on his mobile phone and logs in, then finds "Postal Savings Loan" on the loan page and clicks "Apply Now". At this time, he fills in relevant information, including loan amount, term, bank card, etc. After the submission, he can wait for the bank's review, and generally will send a text message to tell whether it is passed or not.

After the postal loan is approved, the bank will lend money, and subsequent users can repay it on time as required. Postal loan is a credit loan launched by postal bank for specific users. Different users get different credit lines, and users who have close ties with the Postal Savings Bank generally get higher credit lines.

Users must repay on time, and there can be no overdue, because there will be penalty interest after the overdue, and the longer the time, the more penalty interest. Moreover, after the deadline, the bank will upload it to the credit information center, which will lead to the deterioration of personal credit information and affect the handling of subsequent loans, and will not repay the bank for a long time.

In order to ensure timely repayment after borrowing, users should know what kind of income they use to repay when using postal savings loans. If your personal income is not much, you should borrow carefully at this time. In fact, once there are difficulties in repayment, you can borrow money from friends around you, and then return it to your friends when the follow-up individuals have money.