1. Online banking withdrawal: firstly, log in to the personal online banking of Postal Savings Bank, and click "Personal loan-online loan-loan withdrawal-select bank account, which must be the account bound when handling online loan"; Then select the withdrawal amount and fill in the loan application information; After confirming the withdrawal information, enter the SMS password and the withdrawal is successful.

2. Withdrawal from mobile banking: Open mobile banking, find personal loan, click "Online Loan Processing" and select "Loan Withdrawal".

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How to withdraw cash from postal online loans?

People apply for personal loans from banks and fill out the application form in person, as expected:

1, my valid identity document;

2. Residence address card household registration book, etc. );

3. Personal professional certificate;

4. Proof of income of the loan applicant and his family members;

5. Other information stipulated by the bank.

Conditions for loan processing:

1, a citizen of China who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct, 18-65 years old;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank. After opening the "online loan link", you can directly withdraw loans from personal online banking, saving the trouble of running a bank.

Loan calculation:

1, equal repayment of principal and interest: this is the mainstream repayment method at present. In this way, the same amount will be paid every month, and the principal and interest amount will be different. The previous principal amount is greater than the interest amount; The amount of interest paid later is greater than this amount. This repayment method is suitable for loan applicants with stable income, and it is more convenient to arrange income and expenditure; Its disadvantage is that the amount of interest paid is relatively large, the interest will not decrease with the decrease of principal, and the total interest on repayment is high.

2. Matching principal repayment: In this way, the loan applicant repays the same principal every month, and the monthly interest will decrease with the decrease of this amount. There are more principal and interest paid in the early stage, but the total amount of interest to be paid is relatively small, and the repayment burden decreases month by month. This repayment method is suitable for loan applicants who have sufficient funds at hand after the loan and have high repayment ability in the early stage.

3. One-time repayment of principal and interest: If the loan term is within one year (including one year), the principal and interest will be repaid at maturity, and the interest will be paid off together with the principal. This repayment method is generally only open to small short-term loans. The applicability is not strong.

4. Pay interest and repay the principal on schedule: In this way, the loan applicant decides to repay the loan every month, quarter or year. To put it simply, the loan applicant integrates the money to be repaid every month for several months according to different financial conditions. This repayment method is suitable for people with unstable income.