To apply for a loan at the Postal Savings Bank, you need to meet the following conditions: 1. Applicant 18 years old, with legal and valid identification; 2. The person applying for leniency has a stable occupation and income and can repay the loan on schedule; 3. The applicant can provide a guarantee recognized by the postal bank; 4. The applicant has good credit and full capacity for civil conduct; 5. Other conditions stipulated by the Postal Bank. Postal savings loan is a personal RMB consumption loan issued by China Postal Savings Bank to natural persons for various legitimate consumption purposes, including postal savings loan-employee-only, postal savings loan-excellent customer-only, and postal savings loan-high-quality careful bridge. 1. Product features: high credit line, long term, low interest rate, simple procedures, easy and free payment and repayment, loan instructions (1) High-quality loan mode-online application, rapid approval of postal loans-High-quality loans are RMB consumer loans issued by banks to natural persons with good personal credit status and social banquet records, and support various guarantee methods such as mortgage and credit. 1. Loan target: 25-60 years old, full-time employees of party and government, administration, institutions and quality enterprises can apply for credit loans, and customers with houses can apply for mortgage loans. 2. Loan amount: the maximum credit is 6,543,800 yuan+0,000 yuan. 3. Loan term: the longest credit loan is 5 years, and the longest mortgage loan is 654.38+00 years. 4. Repayment method: One-time repayment with monthly interest, one-time repayment with interest, matching principal and interest, average capital and other repayment methods are freely selected. 5. Withdrawal method: You can use mobile banking or direct credit card (2 1. Loan target: salaried employees with age 18-60, stable jobs and meeting other loan conditions of the Bank. 2. Loan amount: the maximum credit is 200,000 yuan. 3. Loan term: up to 3 years.
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What are the conditions for a savings bank loan?
You need to have full capacity for civil conduct, and the loan has a legitimate purpose.
A savings bank loan refers to a loan you apply for from a savings bank. Savings banks usually provide various loan products, including housing loans, consumer loans, car loans and so on. In order to obtain a savings bank loan, the following conditions usually need to be met:
Natural person with full civil capacity: You need to be a natural person with full civil capacity to apply for a savings bank loan.
There are legitimate loan purposes: you need to prove that your loan purpose is legal, and you can provide corresponding supporting documents. For example, to apply for a housing loan, you need to provide proof of real estate.
Have a good credit history: Savings banks usually review your credit history. You are more likely to get a loan if you have a good credit record.
Have enough repayment ability: The savings bank will evaluate your repayment ability to determine whether you have enough repayment ability. This usually includes evaluating your income, assets, liabilities and other factors.
Note that the conditions for a savings bank loan include not only the above four points, but also other requirements. The specific situation is different from bank to bank.
What does a savings loan mean?
Savings loan generally refers to housing savings loan, that is, a kind of loan on the premise that property buyers deposit with the bank in advance to obtain a bank loan. It is a kind of contractual housing savings to solve the financial difficulties for those who have not participated in the provident fund or have obtained provident fund loans but still have a funding gap.
When applying for housing savings loan, the applicant's deposit reached 6.5438+0 million yuan, and the actual deposit period expired 654.38+0 years; Or the deposit reaches 20 thousand yuan, and the actual deposit is over half a year, you can get the qualification to apply for housing loan. If the spouse or the same family member also has housing savings deposits, they can be calculated together, so that the time for obtaining loans will be shortened and the loan amount will be expanded accordingly.