Postal savings bank loans cannot be handled at the counter. The steps are as follows:

1. First, the customer applies for a loan.

2. Prepare the required materials: (1) application form; (2) The original and photocopy of my valid identity certificate; (3) proof that I have a permanent residence in the local area or have lived for one year; (4) Other materials required for handling loans; (5) Marriage certificate or marriage certificate.

3. The loan specialist will go to the loan application and family residence to conduct on-the-spot investigation and approval of the personnel. If the loan passes, you will be informed to sign a loan contract with the relevant personnel, and you can get the loan after signing the loan contract. Extended data:

Repayment method: One-time repayment of principal and interest, that is, one-time repayment of loan principal and interest at maturity, which is only applicable to merchants with a loan term of less than 3 months and farmers with a loan term of less than 4 months; Matching principal and interest repayment method, that is, repaying the loan principal and interest according to the loan term; Only the loan interest will be repaid during the installment period. After the grace period, the longest grace period for repayment with equal principal and interest is 4 months. 10, each provincial branch shall reasonably determine the longest grace period of local loans according to the turnover situation. Remarks: The above repayment methods vary from region to region. Please consult your local Postal Savings Bank for details. References:

2. Can postal mobile banking apply for a loan?

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). For the process, the borrower only needs to form a joint guarantee team or find a guarantor and bring his ID card. If a merchant needs to carry a business license, he/she shall apply to the opened outlets and accept the investigation and approval. You can get a loan after signing the contract, and the loan period is within 3 days at the earliest (after signing the contract). The shortest term is 1 month and the longest term is 12 months. Loan customers can choose the loan term independently according to their own production and operation cycle and repayment ability. For the joint guarantee loan, the term of the joint guarantee loan agreement is 2 years, and the application date and maturity date of the loan must be within the validity period of the joint guarantee agreement. Materials (1), 1, the original and photocopy of the borrower's valid identity document (2), the borrower's local permanent residence or proof of having lived in the local area for one year. (3) Customers applying for merchant loans must provide business licenses that have passed the annual inspection. Engaged in licensed business, it shall provide the original and photocopy of the business license of the relevant administrative department. (4), the borrower engaged in production and business activities, must provide proof of property rights of the business premises or lease contract (5), involving the guarantee of natural persons, should submit the original and photocopy of the guarantor's ID card, proof of work unit or income, and the guarantor's written commitment to provide guarantee (the current products do not need to be issued, just sign a joint guarantee agreement and a guarantee contract); Where mortgage or pledge is involved, it is necessary to provide the ownership certificate of mortgage or pledge right and the written certificate that the authorized person agrees to mortgage (pledge). (6) If the business license has been applied for less than three months, but it has been in normal operation for more than three months, and the operation is in good condition, relevant purchase and sale certificates shall be submitted. (7) Other materials required by the lender. Repayment method ◆ One-time repayment method of principal and interest ◆ Equal repayment method of principal and interest ◆ Installment repayment method (only interest will be repaid during the grace period, and the loan will be repaid by equal repayment of principal and interest after the grace period). Remarks: 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, which will be deducted automatically by the computer system.

3. How to borrow the postal savings bank card on the mobile phone? What do you need?

I think it is more troublesome and takes a long time to open a mobile banking in a bank, so you can open it on your mobile phone.

1. Download the China Postal Savings Bank APP on your mobile phone.

2. Open the Postal Savings Bank and click Mobile Banking.

3. Click to register yourself.

4. Click Next.

5. Enter your own information, and then click Next to register successfully.

4. Can postal mobile banking lend money?

You just need the borrower to form a joint insurance team or find a guarantor and bring your ID card. If you are a merchant, you need to bring your business license, apply to the established outlets and accept the investigation and approval. After signing the contract, you can get the loan. To apply for China Postal Savings Bank Mobile Banking (wap version), you can access the WAP website of China Postal Savings Bank Mobile Banking through a mobile browser, click the "WAP Login" link on the homepage of the website, and enter the login password and verification code to enter the mobile banking. Customers can handle self-service financial services such as account inquiry, transfer and remittance, investment and wealth management, payment, mobile phone recharge, credit card repayment, mobile phone payment and credit inquiry. The mobile banking service of China Postal Savings Bank (WAP version) has the characteristics of portability, simple application, rich functions, safety and reliability. I. My account (account inquiry function) provides customers with functions such as balance inquiry, detailed inquiry, account management, green card account management and account loss reporting. Account management is to facilitate customer management, provide customers with the function of adding and canceling other accounts under their own names to mobile banking, and set and modify aliases for added accounts. Green card account management provides customers with the functions of disabling/enabling the secondary card under the main green card and setting the secondary card quota. 2. Transfer and remittance provide customers with functions such as fixed activity transfer, intra-bank transfer, inter-bank transfer, mobile phone number transfer, mobile phone number transfer function switching, default account setting, address remittance, password remittance, remittance inquiry, payee list, etc. Mobile phone number transfer means that the non-self-registered customers of China Postal Savings Bank transfer funds from their signed mobile phone banking account to the default account of the other party's mobile phone bank (which must be a non-self-registered customer of China Postal Savings Bank) by inputting the mobile phone number and the name of the payee. Third, the credit card business provides customers with the function of inquiring about the account information of the credit card and the detailed information of the unbilled transaction, and returning the overdraft debt to their own or others' credit card RMB account; Handle the function of binding the current settlement account in my name with the credit card, and support the credit card installment payment, integral inquiry and other functions. Four. Through this function, payment business customers can pay special payment items of branches and support customers to submit payment instructions after working hours. After the payment is successful, the payment items can be stored in the fast payment information, and customers can also query their payment records through the payment log.