How to get a postal loan and what is the approval process?

How to get a postal loan. Nowadays, there are many channels for loan business, but many people still choose to apply for loans in banks, because in In the hearts of ordinary people, banks are the safest and most reliable, whether they are depositing money or borrowing money. As the fifth largest bank in China, Postal Savings Bank of China is naturally one of the banks preferred by ordinary people when handling loan business. In order to satisfy people's needs, Postal Savings Bank of China Its loan products are rich in various needs, and different loan products have different processing conditions. Let me introduce to you how to apply for personal consumption loan products.

Postal Bank’s personal consumption loan product is a mortgage loan product launched by Postal Bank for users who need consumer funds. Borrowing funds of borrowers need to comply with loan purpose regulations and are not allowed to buy houses, invest in financial management, or gamble. and other illegal acts. At the same time, the borrower needs to meet the following loan conditions:

1. The borrower is between 25 and 55 years old, and is a legal citizen of China, with full capacity for civil conduct;

2. Borrowing People need to have stable jobs. Generally, borrowers need to be civil servants, employees of public institutions, senior managers, technical personnel of well-known enterprises, etc.;

3. The borrower has the ability to repay the principal and interest of the loan. Have a stable income and can provide proof of income;

4. The borrower has a good personal credit record and no taint on the credit report;

5. A guarantor approved by Postal Bank is required. Or collateral;

6. Comply with other conditions stipulated by the bank

What is the postal loan approval process?

First, the borrower applies at the postal bank branch near the location. For a loan, you need to fill in a loan application form. The loan application form generally requires filling in the borrower's basic personal information, work information, financial information, loan purpose, etc. After completing the filling, submit the application form and the loan information required by the bank to the bank's staff. .

After receiving a loan application from a borrower, bank staff will arrange for personnel to investigate the information submitted by the borrower and the borrower's personal credit, conduct an audit based on the investigation results, and notify the borrower after the audit is passed. Sign a loan contract. After signing the loan contract, the bank will arrange the loan and the borrower will receive the loan funds. Need money urgently? We review major loan products! Follow the WeChat public account "Kangbo Finance" (ID: youqianlab) and reply to "Review" to obtain it.

What are the conditions (specific) required for a Postal Savings Bank loan?

The steps are as follows:

1. The customer applies for a loan.

2. Prepare the required materials:

(1) Application form;

(2) Original and copy of your valid ID;< /p>

(3) Your permanent residence in the local area or proof of residence for one year;

(4) Other materials required for applying for a loan;

( 5) Marriage certificate or marriage certificate.

3. After the application is accepted by the Postal Savings Bank clerk, the loan specialist will conduct an on-site investigation at the loan applicant’s production and business premises and family residence, and then submit the relevant materials to the review and approval personnel, and the application will be approved. You will be notified to sign a loan contract with the relevant personnel. After the loan contract is signed, you can obtain the loan.

Bank loan conditions

1. Conditions met by applicants:

1. Natural persons aged 18-60 years old (Hong Kong, Macao and Taiwan, mainland and foreign nationals also Yes);

2. Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

3. The actual age of the borrower plus the loan application period should not exceed 70 years old.

Materials that the borrower should provide:

1. Identity cards and household registration books of both spouses/temporary residence permit and household registration book for foreigners;

2. Marriage certificate / Divorce certificate or judgment / 2 copies of single certificate;

3. Proof of income (format designated by the bank);

4. Copy of the business license of the unit (with official seal) ;

5. Credit certificate: including academic certificates, other real estate, bank statements, certificates of deposit, etc.;

6. If the borrower is a corporate legal person, it must also provide an annual inspection of the business License, tax registration certificate, organization code certificate, articles of association, and financial statements.