Can the Postal Agricultural Loan be repaid at that time?

After the Postal Agricultural Loan is repaid, if it is a three-year credit loan with one principal payment per year, the first After repaying the principal in one or two years, as long as there are no problems with your credit report, you can borrow again immediately; if you repay the principal after three years of credit, it is recommended to wait 2 to 3 months before refinancing while maintaining a good credit report. Apply, otherwise you may risk being denied a loan.

1. Product Definition

Nongdaitong small loans refer to the Postal Savings Bank of China’s loans issued to new agricultural business entities and farmers who are law-abiding, honest and trustworthy, and have the ability to work. , personal loans used to support their production and business purposes and improve the living environment of rural residents.

2. Product Features

1. Loan amount: The loan amount generally does not exceed 5 million yuan

2. Loan period: up to 5 years

3. Guarantee methods: natural person or legal person guarantee, mortgage and pledge guarantee, guarantee insurance, etc. At the same time, credit loans are supported

3. Access conditions

1. Have complete Citizens of the People's Republic of China with capacity for civil conduct, strong sense of credit, good credit status, and no bad credit record

2. Aged between 18 years old (including 18 years old) and 65 years old (including 65 years old) ), have local household registration or have lived in the local area continuously for one year or more

3. Engage in agricultural-related production and business activities and operate normally for one year or more

4. The purpose of the loan is legitimate , reasonable, with certain free funds and operation and management capabilities

5. Have a legal business entity and have legal and effective production and operation procedures (not limited to business license)

6. Other conditions specified by the handling bank

4. Application materials

ID card, household registration book, business certification materials, etc.

5. Processing procedures

Loan reservation through online and offline channels - Submit loan application - Bank investigation and approval - Sign loan contract - Bank issues loan - Borrower repays as required

In 1919, the predecessor of China Postal Savings The Postal Savings Bureau was established to start postal savings business.

In 1930, the General Administration of Postal Savings and Remittance was established. When the postal savings business was launched, it put forward the business policy of "I would rather be cumbersome if others find it trivial; we do not strive for big profits, but strive for safety", and it was known as the "Public Bank" for a time.

In 1949, the People's Post took over the Postal Savings and Remittance Bureau and worked under the unified guidance of the People's Bank of China.

In 1950, the Postal Savings and Remittance Bureau was abolished, and the Postal Savings Agency was transformed into an agency business, collecting and depositing individual deposits and non-business mass organization deposits on behalf of banks.

In 1953, the Postal Savings Service was discontinued and the post office continued to handle remittance services.

In 1986, Postal Savings was resumed, taking advantage of the numerous postal outlets to widely collect and store sporadic private funds to gather more funds for national construction.

In 1993, Postal Savings started the green card project.

In 2001, postal savings were connected nationwide.

In 2007, the Postal Savings Bank of China was officially established, positioning itself to serve "agriculture, rural areas and farmers", urban and rural residents, and small and medium-sized enterprises. Relying on the agency outlets of China Post Group Corporation, we have established the only "self-operated + agency" operating model in China's banking industry.

In 2012, the Postal Savings Bank of China was restructured into a joint stock limited company. Can Postal Savings Bank of China Online Loan Service be withdrawn on weekends

1. Postal Savings Bank of China Online Loan Service is not affected by weekends and holidays, so normal withdrawals can be made on weekends. However, it is not recommended to spend money between 17:00 and 24:00 every day, so as to avoid being debited. If you miss this time period to apply for online loan payment, the payment will be received normally unless there are special circumstances. The actual payment time will be subject to the page display.

2. If you are applying for online loan payment through online banking, it is recommended to stagger the time period from 18:00 to 24:00.

For more information about whether Postal Savings Bank Online Loan can be withdrawn on weekends, enter: View more content Can Postal Bank Online Loan be withdrawn immediately after repaying in advance on the app

Situations: ① If the online credit limit is within the validity period, it can be used immediately after repayment; ② If the validity period has expired, it can no longer be used after repayment, and you can only apply first, and wait for it to be used online. After the Daitong system review, the system will grant a certain credit limit and the payment can only be made after the payment amount is received.

1. How to repay the loan in advance via the Postal Savings Bank Online Loan Service

The Postal Savings Bank Online Loan Service supports borrowing and repaying at any time. To repay in advance, customers can log in to the Postal Savings Bank of China. For online banking or mobile banking APP, enter the online loan page to operate the repayment. The system will calculate interest based on the actual loan period. The specific amount is based on the amount displayed on the repayment page.

Postal Savings Bank Online Loan is a personal credit consumption loan with a limit of RMB 10,000 to RMB 300,000 and a minimum annual interest rate of 5.22%. Customers with financial needs may consider it. If you want to inquire, please call the Postal Savings Bank customer service number directly. 96086.

2. Can the Postal Savings Bank Online Loan be withdrawn on weekends?

Postal Savings Bank online loan withdrawals are not affected by weekends and holidays, so normal withdrawals can be made on weekends. However, it is not recommended to spend money between 17:00 and 24:00 every day, so as to avoid being debited. If you miss this time period to apply for online loan payment, the payment will be received normally unless there are special circumstances. The actual payment time will be subject to the page display.

If you are applying for online loan payment through online banking, it is recommended to stagger the time period from 18:00 to 24:00.

3. What does it mean that Postal Online Loan does not have the right to lend money yet?

The Postal Online Loan Channel currently does not have the right to lend money, which means that the user's loan application has been rejected. Postal Online Loan is a consumer loan launched by Postal Bank to customers through self-service channels. This product is applied for and reviewed online. If it does not show that it has passed the loan review, it basically means that the user's loan application has been rejected. Then, users can only try to apply for other products at this time.

Or if the user tries to apply for the Postal Online Loan again after a period of time, when the user's credit qualification conditions change, the review results may change.

4. What’s the matter if the Postal Savings Bank online loan cannot be used?

Postal Savings Bank Online Loan is a purely online personal credit consumer loan product. If it cannot be used, there may be the following problems:

1. Did not go to Postal Savings Bank outlet Add the online payment function;

2. The personal credit conditions are not up to standard, and although the customer's credit limit has been approved, the withdrawal cannot be successful;

3. Postal Savings Bank system failure or We are in the process of upgrading and the withdrawal function cannot be used normally.