1. The applicant is between 18 and 60 years old and has full capacity for civil conduct.

2. The applicant has no record of bad business information such as administrative punishment and abnormal operation.

3, a stable source of income, and the ability to repay the loan.

4. The applicant's personal credit information is good, and there is no bad credit record such as overdue.

Second, how to apply for a postal express loan?

The conditions for applying for an ultra-fast loan from the Postal Savings Bank are as follows: 1, aged between 18 and 60 years old, and there are no other outstanding unsecured business loans in the Postal Savings Bank. 2. The bank has opened mobile banking, and handled the functions of mobile banking transaction token and SMS verification service. 3. The business entity has no bad industrial and commercial information records such as administrative punishment and abnormal operation. China Postal Savings Bank is a large retail commercial bank in China. Founded on March 6, 2007, headquartered in Xicheng District. Formerly known as Postal Savings Bureau; In 20 16, the Postal Savings Bank was successfully listed on the main board of the Hong Kong Stock Exchange. Mainly engaged in banking and financial services. On the evening of October 28th, 2002110, the Postal Savings Bank disclosed the third quarterly report, and the company's operating income in the third quarter was 80.705 billion yuan, up15.43% year-on-year; The net profit was 23.497 billion yuan, a year-on-year increase of 22.47%. The net profit in the first three quarters was 64.507 billion yuan, a year-on-year increase of 22.07%. According to the overall arrangement of financial system reform in the State Council, China Postal Savings Bank reformed the original postal savings management system. In March 2007, China Postal Savings Bank Co., Ltd. was formally established. 201265438+1October 2 1 With the consent of the State Council and the approval of the China Banking Regulatory Commission, Postal Savings Bank of China Limited was changed into Postal Savings Bank of China Limited as a whole according to law. The young Postal Savings Bank has a history of nearly a hundred years. 19 19 The Postal Savings Bank, the predecessor of China Postal Savings Bank, was established and started postal savings business. During the period of 1942, the savings bank bureau became an important part of the six financial pillars at that time. In the early days of the People's Republic of China, 1953 closed the postal savings business and the postal service continued to handle remittance business. 1986, postal savings officially resumed operation. With the care and support of governments at all levels, financial supervision departments and all walks of life, China Postal Savings Bank adheres to the inclusive finance concept, consciously assumes the social responsibility of "popularizing urban and rural areas and benefiting the people", and has embarked on a characteristic development road of serving agriculture, rural areas, small and medium-sized enterprises and communities. China Postal Savings Bank has become a commercial bank with the largest number of outlets, the widest coverage and the largest number of customers. By the end of June, 2065438+2005, the Postal Savings Bank had more than 40,000 outlets, and built an electronic financial service network including online banking, mobile banking, telephone banking, TV banking, Weizhong Bank, WeChat Bank and CreditEase Bank, covering the vast urban and rural areas and serving nearly 490 million customers.

Three, how to borrow postal loans, what conditions need to be met.

The credit loan of Postal Savings Bank needs a guarantor (personal credit loan with a quota of 654.38+10,000 yuan and a loan period of 1 year), and personal business loan needs a real estate mortgage (with a quota of 1 10,000 yuan and a loan period of up to 5 years according to local actual conditions). The specific procedures are as follows:

◆ Farmers' Joint Guarantee Loan: It means that 3 to 5 farmers form a joint guarantee team and can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each household is temporarily 50,000 yuan. ◆ Farmers' guaranteed loan: refers to farmers. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 50,000 yuan. Merchant joint guarantee loan: refers to a joint guarantee team composed of three individual industrial and commercial households with business licenses or owners of sole proprietorship enterprises, who can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). ◆ Merchant-guaranteed loan: refers to individual industrial and commercial households or sole proprietors with business licenses. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as their loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). Handling process: the borrower only needs to form a joint guarantee team or find a guarantor and bring his ID card. If a business needs to bring a business license, they can apply at the opened outlets together, be investigated and approved, and then get a loan after signing the contract.

However, the specific product information and business process shall be subject to the announcement of the local postal savings institution.

4. What are the application conditions for postal ultra-fast loans?

1. Mobile banking submits a loan application;

2. The system automatically audits;

3. Quota takes effect;

4. Sign a loan contract online;

5. Online lending;

6. Repay on time.

Postal savings bank ultra-fast loan application conditions:

1. The applicant is between 20 and 50 years old and is a natural person with full capacity for civil conduct.

2. The applicant can provide valid identity documents.

3. The applicant has a fixed residence and stable income, and has the ability to repay on time.

4. Applicants need to provide proof of address, proof of work and details of bank flow.

5. The applicant should have good credit and no bad records in the credit information system.