2 years. Your exclusive quota is valid for 2 years. It will disappear after the validity period is exceeded. You can still try to apply after it disappears. Youkezunxiang is a personal consumption loan launched by the Postal Savings Bank of China. The maximum loan amount is 200,000. The maximum loan term can be divided into 60 installments. The annual interest rate of the loan is between 3.85% and 18%. The details are shown on the approval page: allow.