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Postal Savings Bank

The passbook can be loaned to the Postal Savings Bank by anyone, but the loan needs to meet other conditions, such as age, assets and job.

Can I deduct the interest directly from the postal passbook loan?

Of course.

After consultation with the bank, the borrower sets different repayment time units for the repayment of loan principal and interest. That is, decide to repay once a month, quarterly or annually.

Postal Savings Bank's three-year fixed deposit120 million. How much can I borrow with a passbook?

In general, the passbook is 90%.

That is, the deposit of 6.5438+0.20 million yuan can be pledged as 6.5438+0.08 million yuan.

Postal savings house mortgage loan

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Postal savings bank is one of the state-owned banks, with very high loan security and very low interest rate; In addition, the mortgage interest rate itself is very low, which brings great convenience to borrowers.

To apply for a mortgage loan in the Postal Savings Bank, the borrower must first be a natural person with full civil capacity between 18-60 years old; And have a stable career and income, and have sufficient repayment ability.

After meeting the above conditions, the borrower can try to apply for a mortgage loan at the Postal Savings Bank. Generally speaking, the loan period can be as long as 30 years, and the loan amount can reach 70% of the appraised value of the house.

Extended data:

Materials required for housing mortgage loan:

1, personal identification, household registration book, proof of residential address and proof of marital status;

2. Personal income certificate or asset status certificate;

3. Property certificate of mortgaged house;

4. If the applicant uses other people's property as collateral, it is also required to provide the property owner's ID card (including * * *), proof of marital status, written proof of consent to mortgage, etc.

5. If a bank is designated, other documents that meet the requirements of the bank are required.