It depends. If the borrower meets the application conditions of China Post's ultra-fast loan, the loan will naturally be approved. If it does not meet the requirements, it may be rejected. China Post's ultra-fast loan is a micro-loan product of China Post's consumer finance. China Post's consumer finance is a financial institution under the Postal Savings Bank, so this loan is for credit, and it will also be checked for credit. If the borrower's credit is not good, he may not be able to apply.
I. Loans
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 social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Second, the loan matters needing attention
1, loan amount:
When applying for a loan, the amount applied for should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should also apply for a loan amount according to their repayment ability to avoid the economic pressure caused by excessive monthly payment.
2. Loan information:
The borrower must ensure that the information provided to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan.
3. The purpose of the loan:
When filling in the loan purpose, the borrower should write down the loan purpose frankly and clearly, which will make it easier to pass the examination.
Third, the consequences of loans overdue.
1. Penalty interest: When signing a loan contract, some relevant regulations are generally made for loans overdue. If the loan contract is overdue, there will generally be a penalty interest. For different financial institutions, the amount of penalty interest and the interest generated are different. However, as an expense that should not be spent, it is better not to generate it.
2. Credit stain: This should not be underestimated. Once in loans overdue, the bank will report your overdue records to the central bank's credit information system. Once the record is generated, it will leave a stain on your personal credit report. This small stain will form a great resistance to your future loan or credit card application, so the borrower must not lose big because of small.
3. You can't enjoy the preferential loan interest rate: We all know that when you apply for a loan from a bank, the loan interest rate will fluctuate to varying degrees, and high-quality customers can usually get the lowest loan interest rate. Users with loans overdue records can't enjoy preferential interest rates even if they can get a loan application.
Can the credit information of Houhuiwanjia ultra-fast loan cost money?
It takes a long time to receive credit information from the postal service. Although credit reporting has a certain impact on loan applications, it does not mean that it is absolutely impossible. In addition, personal income level and credit status are also factors that lending institutions should consider. For example, Xiao Ming applied for loans and credit cards many times, but once he applied, he was queried once, resulting in a waste of credit information. Xiao Ming always pays back on time and never fails to pay back, which shows that the credit situation is good and the lending institution may also consider appropriation. As long as the credit card repayment is not overdue for three consecutive times or accumulated for more than six times, you can also apply for general bad credit.
My credit history is a little spent. Can I apply for a loan from China Post Consumer Finance?
You can apply, but you may not pass. According to the personal financial situation and credit information, mortgage records, repayment records, etc., systematic or manual comprehensive judgment and audit are carried out. It will affect the examination and approval results. If it is judged as a high-risk customer, the loan amount may be reduced or the approval may not pass. You can apply for a try and see the exam results!
First of all, we must meet the following basic conditions:
1. The applicant is between 18-50 years old and can repay the loan before the age of 65.
2. The applicant has no record of non-performing loans and has a good personal credit status.
3. Applicants should have a fixed job and income, and applying for a loan depends on the salary details.
4. If the loan is used for business or car purchase, collateral and guarantor shall be provided.
5. Other conditions stipulated by the bank.
In addition, different loan products have different loan requirements. For example, in China Post Consumer Finance, the owner loan of China Post Wallet APP needs to have an outstanding and normal repayment mortgage, and the gold provident fund loan needs to deposit the provident fund to make a loan, but the corresponding amount will be higher. China Post's consumer finance loan may call back some borrowers to further verify their personal basic information and repayment ability.
China postal consumption finance
Company background
With the approval of China Banking Regulatory Commission, China Post Consumer Finance is a consumer finance company initiated by China Postal Savings Bank, DBS Bank Co., Ltd., Guangdong Sanzheng Group Co., Ltd., Bohai International Trust Co., Ltd., Guangzhou Baiguang Co., Ltd., Lacarra Network Technology Co., Ltd. and Guangdong Hai Yin Group Co., Ltd. ..
Loan products
China Post Consumer Finance mainly provides cash loan products, installment loan products and revolving loan products. You can apply for loans online and offline. Online loans from China Post Wallet APP, China Post WeChat official account and China Post Alipay life account are convenient, mainly including revolving loans, extreme loans and owner loans.
Correlation of credit information
China Post Consumer Loan is a formal licensed financial institution, which can provide loan services. Not only will the pre-loan approval meeting inquire about the credit information, but the borrowing and repayment of each loan will also be truthfully reported to the credit information. Repayment on time has little effect on credit information, but don't be overdue, leaving a bad credit information record will affect future car loans and mortgages.
To sum up, China Post Consumer Finance was founded by seven powerful enterprises, including China Postal Savings Bank. There are mainly three loan products, namely, mail you for loan, mail you for purchase and mail you for consumption, which can enjoy loan services online and offline. Meet the age requirements of 20-50 years old, have stable income and good credit information, and can apply for loans. The repayment record of each loan will be reported to the credit bureau, so remember not to be overdue.
Will you spend money on credit investigation in China Post wallet?
Did it take you a long time to receive the credit report from PetroChina wallet? It depends on how much you spend on credit investigation. Because there is a certain standard to judge whether the quota is spent, not all overdue quotas are spent. If it's only overdue once or twice, don't spend it. It is not difficult to approve the loan of PetroChina wallet. Under normal circumstances, if you spend three times in a row or six times in two years, even if you spend it, your personal credit will be poor and it will be difficult for PetroChina wallet to pass.
China Post Wallet is a mobile financial platform launched by China Post Consumer Finance Co., Ltd. (a national licensed consumer financial institution initiated by China Postal Savings Bank as the main investor), which mainly provides loan consumption and cash loan services. Because of the background of China Postal Savings Bank, it is not comparable to ordinary small loan companies. Of course, the audit is stricter than that of small loan companies. However, the loan speed is definitely faster than that of banks, and the loan interest rate is also lower than that of ordinary small loan companies. Its disadvantage is that the loan amount is relatively small.
So let's see what kind of people can apply for China Post wallet. First of all, there are age requirements, which need to be between 20 and 50 years old, with good personal credit information and stable income. As long as these requirements are met and real information is provided, the loan is still very easy. The amount they provide is 5,000 to 50,000 yuan, and friends who have loan quota requirements can consider other platforms. Bian Xiao checked the feedback of netizens on China Post Wallet, which can meet the needs of many people and has a good evaluation, mainly from the loan interest rate and the speed of the next payment.
In a word, the application materials of China Post Wallet are relatively simple, with profound background and good feedback from users. It is a relatively reliable micro-loan platform. If your credit information meets the requirements written by Bian Xiao, you can apply. I hope I can help you.