1. Call the customer service phone of Postal Bank to make an appointment for prepayment; 2. Confirm the prepayment in the bank and notify the borrower of the prepayment time; 3. The borrower carries relevant information and repayment funds to the postal bank outlets for early repayment. Preferential loan business refers to the RMB loans issued by our bank to employees of specific units for various legitimate consumption purposes under the credit consumption loan. Applicable object: high-quality customers who have no other debts except personal housing mortgage loan and credit card overdraft under restricted access name, and who organize at least 5 people to make reasonable consumption except house purchase. Loan amount: up to 500,000 yuan; Not more than 36 times of the borrower's average monthly after-tax income. Term of the loan: the longest is 5 years, and the term of the loan does not exceed 30 months. Repayment method: 1, with equal principal and interest; 2. Average capital; 3. One-time repayment of principal and interest; 4. Pay interest on a monthly basis and repay the principal when due. (Items 3 and 4 are only applicable to loans with an amount less than 300,000 and a term of 65,438+02 months. ) loan guarantee: credit guarantee. Handling channel: after the five people form a group, the employees of the Postal Savings Bank who have started personal credit consumption loan business will come to the door to handle it. Product function: 1. The procedure is simple, just provide ID card and proof of income; 2. Credit guarantee. There is no joint guarantee between borrowers operated by the group; 3. High quota and long term; 4. Circular line, which can be borrowed or returned. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Microfinance review risk The risk of a loan often begins at the loan review stage. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links. (1) The loan examiner of the bank was omitted from the review content, which led to credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and investigate the qualifications, qualifications, credit and property status of loan subjects. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents without due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

Second, is the postal loan of the Postal Savings Bank a one-time repayment?

The repayment of the postal savings loan of the Postal Savings Bank is not one-off, such as 1 year and 3 years.

You can also apply for one.

The repayment method is as follows:

1. once

2. Matching principal and interest repayment method;

3. Interest shall be repaid in installments, with equal repayment after the grace period.

The borrower deposits enough funds in the loan principal and interest deposit account, which will be automatically deducted by the computer system.

Repayment procedures:

1. Customers who apply for prepayment should submit a written repayment application within one week to one month according to the regulations of the bank, and make an appointment with the bank for repayment date in advance.

2. Signing an agreement According to the date agreed with the bank, the repayment person will go to the bank with valid identification and documents required by the bank and related banks to sign the loan repayment application form and early repayment agreement.

3. Repayment After the repayment procedures are completed, the borrower needs to set up a withholding bank to automatically deduct it within a certain period of time. Different banks have different regulations on prepayment, and there is no limit on the number of prepayments. However, different banks will have different regulations on early repayment, depending on the situation of the bank they lend, and choose the right opportunity to repay in advance. Early repayment means that the borrower applies to the bank to repay part of the loan in advance, and guarantees that the loan will be paid in full in the previous month.

Extended data:

Income from high-quality loan products of China Postal Savings Bank from 2065438 to 2007

2065438+On February 22nd, 2007, China Postal Savings Bank launched a preferential loan with a maximum loan of 500,000 yuan. What is the income from its products? How to buy?

Product advantages: pure credit, no mortgage, low interest rate, high quota, long term and simple procedures.

First, the basic elements of the loan:

1. Loan target: high-quality employees who meet the following conditions:

There is no other debt except credit card overdraft;

(2) It must be a regular employee of one of the following units: administrative institutions (including central enterprises and their subsidiaries; State-owned enterprises and their subsidiaries in finance, telecommunications, electric power, tobacco, oil refining, ports and salt industry.

(3) At present, the minimum number of applicants for each unit is 5.

2. Loan interest rate: If there are a large number of monthly interest units at or above the deputy division level, the interest rate may be appropriately lowered.

For example, the loan 1 year 1 10,000 yuan, and the total interest is 327.97 yuan (leader), 3,665,438 yuan +0.09 yuan (employee); Pay interest on a monthly basis, and repay the principal in one lump sum when due. 660 yuan (employee).

5 years

3. How does Shanghai China Postal Savings Bank apply for prepayment? (year-round)

China Postal Savings Bank Shanghai Branch, No.229 Anshun Road, Changning District, Shanghai, Saturday business hours: 8: 30 am to 5: 00 pm for personal business; It's closed for business holidays.

4. How does the Postal Savings Bank repay the loan in advance?

1 Call the customer service phone of Postal Bank to make an appointment for prepayment;

Confirm the prepayment at the bank and inform the borrower of the prepayment time;

3. The borrower carries relevant information and repayment funds to the postal bank outlets for early repayment.

When the postal preferential loan is repaid in advance, first check whether there is an early repayment agreement in the postal preferential loan contract. If there is an agreement, it shall be implemented according to the agreement. If there is no agreement, go to the bank to make an appointment for prepayment.