Postal savings bank micro-loans mainly refer to two types of personal credit consumption loans, namely, postal savings loans-exclusive quality customers and postal savings loans-exclusive wage customers, with a maximum loan amount of 200,000. In addition, there are "post loan-quick loan (credit)" personal business loans, with a maximum loan amount of 300,000, all of which are small, and they are handled by themselves purely online, and they are applied by virtue of their own high-quality credit status. Then, what is the interest rate of small loans of the Postal Savings Bank? Let's look at it separately.

What's the interest rate of the small loan of Postal Savings Bank?

First, enjoy the loan after-enjoy the privilege of excellent customers.

1, the annual interest rate is between, that is, the lowest and highest annual interest rates are distinguished according to the comprehensive qualifications of the applicant.

2. There are three repayment methods: matching principal and interest, average capital and monthly interest repayment, in which monthly interest repayment is only applicable to loans within 65,438+0 years (including 65,438+0 years).

3. If the annual interest rate is average capital minus interest, the loan is 65,438+0,000 yuan and the interest of the loan is 65,438+0 years = yuan;

If the annual interest rate is to pay interest monthly to repay the principal, then the interest of a loan 1 000 yuan and a loan 1 year is 705 yuan.

Therefore, the interest rate of postal savings loan-premium loan will be between RMB and RMB.

Second, postal credit-specifically for working customers.

1, the annual interest rate is between, that is, the minimum and maximum annual interest rates are only open to employees who have been employed for three months.

2. The repayment method is the same as that of the exclusive customer of postal loan.

3. If the annual interest rate is equal to the principal repayment, the interest of 1 year 1 1,000 yuan = yuan;

If the annual interest rate is to pay interest monthly to repay the principal, the loan 1 000 yuan, interest 1 year = 1 463 yuan.

Therefore, the exclusive loan interest rate of postal savings loans for wage-earning customers will be between RMB and RMB.

Third, E-mail loan-speed loan (credit)

1, the minimum annual interest rate is the upper limit of interest rate, but the maximum is generally not more than 24%.

2. There are three repayment methods: equal principal and interest, one-time principal and interest repayment, and monthly principal and interest repayment when due.

3. If the annual interest rate is equal principal and interest repayment method minus interest, then the loan 1 000 yuan and the interest of the loan 1 year = yuan.

The above is about "what is the interest rate of small loans of Postal Savings Bank", and I hope it will help everyone.