There are currently 5 ways of postal loans.

1. A small-amount pledge loan means that you have a fixed-term passbook and have saved it for a certain period of time. It is not cost-effective to withdraw money on a fixed-term basis for short-term use. Then you can borrow 90% of the fixed-term amount at a postal outlet. The interest rate is only a little higher than that of demand deposits.

2. Small loans are for business purposes. Do you have any projects? Those with a business license can apply for a maximum of 100,000, and those without a license can apply for a maximum of 50,000. The interest rates are 15.3%, 14.4%, and 13.5% respectively, as explained in the answer below.

3. Business loans, or business-support loans, are mortgages of real estate certificates at the Postal Savings Bank, but a business license is also required. For a loan based on 60% or 50% of the appraised value of the house, the interest rate would be around 6.903%.

4. Second-hand house loan. If you buy a second-hand house, you can get a loan from the Postal Savings Bank. The interest rate is about 4.5%.

5. Small business loans, loans for small businesses, up to 5 million.