1. Can Postal Savings Bank lend money?
Hello friends, the Postal Savings Bank can provide loans. Now basically every bank can get a loan. You need to prepare your own personal materials and submit them. Most of them can get the loan
2. Who knows whether postal online loans are good or not?
Good loan. The Postal Savings Bank was only established in 2007 and has only been offering consumer loans for a few years, so its requirements are lower than those of its peers. Online loans are generally credit loans. As long as you are a formal employee of an enterprise or institution, credit investigation is not prohibited, and there is basically no problem.
3. Is China Postal Loan a good loan?
Based on the current situation, it is relatively easy for a Postal Bank borrower to apply after the borrower meets the relevant conditions. The specific conditions that need to be met for Postal Bank loans include: 1. The borrower has a stable place of residence in the Postal Bank; 2. The borrower has full capacity for civil conduct; 3. The income is stable for more than six months, meeting the requirements of the local Postal Bank. The conditions for borrowing; 4. The borrower has good credit; 5. Other conditions stipulated by the local postal bank. If you are applying for a mortgage loan, you also need to provide proof of ownership of the mortgage property, and you have all the rights to the mortgage property, so that you can apply for a mortgage loan. : Different types of loan conditions of China Post Bank: 1. Postal Savings Bank farmers’ loans are used for rural planting, breeding and other production and operation purposes. The borrower must be married, have more than two laborers in the family, be between the ages of 18 and 60, have a local household registration or have lived in the local area for more than one year, and have more than one year of planting and breeding experience, and at the same time 1 to 2 natural persons need to be provided as guarantees. The guarantors are required to be national civil servants, teachers, doctors and other people with stable incomes, or to form a joint guarantee group of 3 to 5 households. If all conditions are met, the maximum loan can be 50,000. Amount within 1 yuan. 2. Postal Savings Bank merchants are used for business operations and turnover by merchants and micro business owners. The borrower is required to have a business license, have been operating normally for more than half a year, be between 18 and 60 years old, have a local household registration or have lived locally for more than one year, and must provide 1 to 2 natural persons for guarantee. Guarantor requirements They are national civil servants, teachers, doctors and other people with stable incomes, or they form a three-household joint guarantee group. If all conditions are met, the maximum loan amount can be up to 100,000 yuan. 3.: Need to have Postal Savings Bank’s unexpired lump sum time deposit certificate for pledge; Business loan: Need to have a business license to operate normally for more than one year, and have real estate for mortgage; 4. Personal comprehensive consumption loan: Need to have the following All (most owned) houses of the borrower applicant will be mortgaged; 5. Personal housing loan: The house purchased by the borrower does not exceed the age specified by the local Postal Savings Bank and can be registered as a mortgage with the local housing management department. As the main guarantee; 6. Personal commercial housing loan: guaranteed by the mortgage of the purchased house; whether the borrower can pass the loan application, as well as the loan amount, term, interest rate and repayment method that can be obtained through the application, will be determined by the local postal savings bank Bank branches will give a clear answer after comprehensively considering the national housing credit policy and the credit status of the borrower applicant.
4. Is the Postal Savings Bank a good loan?
As far as I know, a postal bank branch president does not have the power to grant loans. The power of loan approval rests with the municipal branch. I also know the process. The president of the branch only has the authority to sign the submitted loan application form. The power of approval or disapproval rests with the branch president. If what you said is true, I suggest you report it to the branch’s Disciplinary Committee.