1. The variety of loans is national, and there are no regions. As long as you have a local postal savings bank, the loan you mentioned should be available.

2. The guarantor and the lender must come from the same city. If they are cross-regional, the loan officer can't investigate.

3. The loan amount is mainly related to your business situation and bank credit information. The better the business conditions, the better the credit information, but at most 10W. (20W in some developed areas)

4. The guarantors, such as civil servants, institutions and official employees of state-owned enterprises, can not be used as guarantors.

5. If there is a guarantor, there is no need to form a joint insurance team.

2. How many kinds of postal savings bank loans are there?

1, syndicated loan

Syndicated loan refers to a loan method that allows many banks or non-bank financial institutions to operate loan business, and provides funds to the same borrower according to the agreed term and conditions based on the same loan conditions and the same loan agreement. According to the different loan methods, syndicated loans are divided into direct syndicated loans, indirect syndicated loans and joint loans.

2. Real estate development loans

Real estate development loans refer to loans issued by banks to borrowers for the development and construction of real estate projects sold and leased in the market. The types of real estate development loans include both housing development loans and commercial housing development loans. Development loans with various maturities, quotas and purposes can be provided.

3. Entrusted loan

Entrusted loan refers to a loan provided by a government department, enterprise, institution or individual, with the Postal Savings Bank as the trustee (lender), domestic and foreign enterprises (enterprises) legal persons or other economic organizations as the borrowers determined by the client, and with the purpose, currency, amount, term, interest rate and repayment method determined by the client to issue, supervise the use, assist in recovering the principal and interest and collect the handling fee.

4. Corporate loans

The small business loan of China Postal Savings Bank refers to the RMB-guaranteed loan provided by Postal Savings Bank for the normal production and operation of enterprises. The small business loan of Postal Savings Bank has the characteristics of simple application, high examination and approval efficiency and flexible loan methods, and can be secured by land and real estate mortgage, policy guarantee company and so on.

5. Second-hand housing loans

Personal housing mortgage loan refers to the loan issued by postal savings institutions to borrowers for the purchase of housing or commercial housing. Applicable to natural persons aged 18-60 with full capacity for civil conduct; Have a stable occupation and income, have the ability to repay, and have a good credit record.

3. With a loan of 285,000 yuan from the Postal Savings Bank, can you pay off 4,600 yuan a month in 20 years?

You mean 4600 is enough for the bank's income requirements? If you want to borrow 285,000 yuan and pay it off in 20 years, you have to pay back 2,244-2,476 yuan every month (because you don't know the interest rate of your postal service, it will rise according to the benchmark interest rate 10%-30%). Generally speaking, the income required by banks is twice the monthly repayment amount, so it seems almost possible.

4. What are the loan conditions of the Postal Savings Bank?

To apply for a loan, the Postal Savings Bank needs to meet the following conditions: 1. Applicant 18 years old, with legal and valid identification; 2. The applicant has a stable occupation and income and can repay the loan on schedule; 3. The applicant can provide a guarantee recognized by the postal bank; 4. The applicant has good credit and full capacity for civil conduct; 5. Other conditions stipulated by the Postal Bank. Postal savings loan is a personal RMB consumption loan issued by China Postal Savings Bank to natural persons, which is used for various legitimate consumption purposes, including postal savings loan-exclusive to wage customers, postal savings loan-exclusive to outstanding customers, postal savings loan-high-quality enjoyment and other service modes. 1. Product features: high quota, long term, low interest rate, simple procedures, easy repayment, loan instructions (1) High-quality loan mode-online application, rapid approval of postal loans-High-quality loans are RMB consumer loans issued by banks to natural persons with good personal credit status and social records, which support various guarantee methods such as mortgage and credit, and are used for legitimate individuals. 1. Loan target: 25-60 years old, full-time employees of party and government, administration, institutions and quality enterprises can apply for credit loans, and customers with houses can apply for mortgage loans. 2. Loan amount: the maximum credit is 6,543,800 yuan+0,000 yuan. 3. Loan term: the longest credit loan is 5 years, and the longest mortgage loan is 654.38+00 years. 4. Repayment method: One-time repayment with monthly interest, one-time repayment with interest, matching principal and interest, average capital and other repayment methods are freely selected. 5. Withdrawal method: You can use mobile banking or direct credit card (2 1. Loan target: salaried employees with age 18-60, stable jobs and meeting other loan conditions of the Bank. 2. Loan amount: the maximum credit is 200,000 yuan. 3. Loan term: up to 3 years. If necessary, you are recommended to use Youhuahua, a credit service brand under Xiaoman Finance (formerly Baidu Youhuahua, renamed as "Youhuahua" in June 20 18). Big brands and low interest rates are trustworthy. Money spent-all easy loans, the maximum loan amount is 200,000, and the daily interest rate is as low as 0.02%. I know many small loan companies. Generally speaking, Baidu spending money is the platform with the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W. Xiaoman-Rich Flowers (the second batch) Click online measurement.

Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic. It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment. If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict! 360 IOUs, with a maximum loan of 200,000! Click online measurement

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