Inquire through customer service phone: Just provide your identity and loan information, and customer service will help you inquire and inform you of the current loan approval progress.
2. Login to official website for inquiry: Enter your account number, find the loan progress inquiry in the function bar, and then click Query to know your loan approval progress.
3. Inquiring at the counter of business outlets: It is very convenient for borrowers to bring their ID cards and loan bank cards to the bank counter or business hall to inquire, and bank staff can help to inquire about the progress of loan approval.
4. Inquire through the account manager: When applying for a loan, the account manager will be responsible for the negotiation, and the applicant can directly find the account manager who helped you with the loan, which is also relatively simple and convenient.
5, APP query; Now the Postal Savings Bank has also launched its own APP. In the APP, the column of loan progress inquiry is also selected. Click on the location query, and you can know your loan approval progress through the APP.
2. How can I check whether I have applied for a loan at the post office?
Postal savings business is a loan product launched by China Postal Savings Bank for farmers and merchants (small business owners). Farmers are short-term loans issued to farmers to meet their agricultural planting, breeding or production and operation needs. Businessmen refer to loans granted by private entrepreneurs (including sole proprietorships, partnership partners and individual shareholders of limited liability companies). ), individual industrial and commercial households, urban self-employed households and other small business owners engaged in production and trade in urban and rural areas to meet their production and operation capital needs. Business Type: ◆ Farmers' Joint Guarantee Loan: It means that 3 to 5 farmers form a joint guarantee team and can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each household is temporarily 50,000 yuan. ◆ Farmers' guaranteed loan: refers to farmers. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 50,000 yuan. Merchant joint guarantee loan: refers to a joint guarantee team composed of three individual industrial and commercial households with business licenses or owners of sole proprietorship enterprises, who can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). ◆ Merchant-guaranteed loan: refers to individual industrial and commercial households or sole proprietors with business licenses. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as their loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). Handling process: the borrower only needs to form a joint guarantee team or find a guarantor and bring his ID card. If a business needs to bring a business license, they can apply at the opened outlets together, be investigated and approved, and then get a loan after signing the contract. Repayment method: ◆ One-time repayment of principal and interest ◆ Equal repayment of principal and interest ◆ Installment repayment method (only interest is repaid during the grace period, and equal repayment of principal and interest after the grace period). Before the maturity date of the loan principal and interest, the borrower needs to deposit enough funds in the postal savings account where the loan is issued, and the computer system will automatically deduct it. Note: The specific product information and business process shall be subject to the announcement of the local postal savings institution.
3. How can I check whether I have applied for a loan at the post office?
Take your ID card and go directly to the bank counter to ask the staff for help. If you have paid for the goods before and returned them on time. It won't make any difference. If the loan is not repaid on time, the bank will certainly find out.
4. How can I check whether I have applied for a loan at the post office?
Take your ID card and go directly to the bank counter to apply for a job. If you paid before, then it rang. If the loan is not repaid on time, the bank will certainly find out.