1, credit investigation. The borrower's personal credit demand is relatively good, and there is no other loans overdue record in the credit report in recent two years. The debt ratio is relatively low, and it is best not to exceed 50% of the monthly income. In addition, the Postal Savings Bank does not like that its customers have more online loan application records. If the borrower has an online loan application record, it is recommended to pay off the online loan and apply for an interest-free loan.
2. Income. According to the regulations, the borrower's monthly income must be at least twice the monthly payment. Otherwise, the Postal Savings Bank will suspect that the borrower's repayment ability is insufficient and it is easy to be overdue, which is a high-risk customer. If the monthly income can reach more than 2.5 times the monthly payment, the borrower wants to apply for an interest-free loan from the Postal Savings Bank, and the success rate will be higher.
3. age. According to the regulations of the Postal Savings Bank, to apply for an interest-free loan, the borrower must be 18 years old and not over 60 years old. If you are a student, you need to apply for a special interest-free loan for college students' entrepreneurship at the Postal Savings Bank.
4. Relevant licenses. The borrower must hold the business license, tax registration certificate and business license of related industries issued by the administrative department for industry and commerce.
5. Main business activities. When the borrower applies for an interest-free loan, the main business activities and projects must have development potential or market competitiveness, and have the ability to repay the principal and interest of the loan on time.
6. Business premises. When applying for an interest-free loan from the postal bank, the borrower needs to have a fixed residence and business premises in the local bank where the loan is being reviewed. You can't apply for an interest-free loan in City A and go to City B for development.
7. Open an account. The borrower has a settlement account in the bank, and the daily settlement is applied through the bank account. In addition, the borrower needs to abide by the law and meet any other conditions of the bank. After meeting the above conditions, the borrower can submit an interest-free loan application to the Postal Savings Bank. After the application is approved, the Postal Savings Bank will complete the loan within 15 working days, and then the borrower needs to repay the loan on schedule to avoid overdue.