The transfer function is not enabled. Because the Postal Savings Bank has not opened the transfer function, it cannot transfer money after the loan. Download the mobile banking APP of Postal Savings Bank on the mobile phone, enter the account number and password, and then click "Login, China Postal Savings Bank, which can be traced back to the postal savings business started at 19 19, a large state-controlled commercial bank. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established.

Why can't China Bank's e-loan be transferred out?

China Bank Easy Loan has been released, but it cannot be transferred out for the following reasons:

1, it may be a system failure, which makes it impossible to transfer out. Try again later.

2. It may be due to the expiration of the credit line, and the validity period of BOC E loan is 12 months.

3. It may be caused by illegal use by users.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

After the loan, the bank said that the transfer could not be made before the 5th.

Hello, may I ask why the bank said that it can't transfer money before the 5 th after lending? After the loan, the bank said that the reason why the transfer could not be made before the 5 th was the purpose of the loan. Bank loans generally involve loan purposes. The supervision of banks in this respect is mainly to monitor the whereabouts of loans, which are generally special cards. The funds in the card cannot be transferred, but they can be withdrawn. Because the transfer will let the bank know the flow of funds, it is easy to see whether the use of funds is contrary to the use of funds previously filled in, so it is generally impossible to transfer funds directly to the lender's own card.

Why don't bank lenders use transfer payments?

If the money lent by the bank is earmarked, it can only be used for agreed consumption, not for transfer. Users apply for consumer loans, and the bank does not stipulate that transfer is not allowed, so whether it is credit card consumption, transfer or cash withdrawal, it is ok. When users apply for loans, it depends on whether there are additional provisions on the use of loan funds.

Of course, if the loan funds are used illegally and are found out by the bank, the bank will ask the user to settle all the arrears at one time.