If you want to apply for a loan, you can go to the post office or the bank to apply for approval. They will decide whether to lend you money according to whether you have stable income and repayment ability.

2. What is the interest on the postal teacher loan?

Project annual interest rate%

I. Short-term loans

Within one year (including one year) 4.35

Second, medium and long-term loans

One to five years (including five years) 4.75

More than five years 4.90

Third, the teacher himself, how to get a loan from the bank?

1 farmers' joint guarantee loan: refers to three to five farmers who 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, who can apply for loans from the Postal Savings Bank only by having one or two people (depending on the loan amount) with fixed jobs and stable income as their loan guarantors. The maximum loan amount for each farmer is 50,000 yuan temporarily. 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 the owner of an individual industrial and commercial household or a sole proprietorship enterprise with a business license, who can apply for a loan from the Postal Savings Bank only by having one or two people (the number depends on the loan amount) who have a fixed job and a stable income as their loan guarantors, and the maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). Handling process: the borrower only needs to form a joint guarantee team or find a guarantor and bring his ID card. If the merchant still needs to bring a business license, he will apply to the opened outlets and be investigated and approved. You can get a loan after signing the contract, and you can get a loan within 3 days at the earliest. Repayment method: one-time repayment of principal and interest, equal repayment of principal and interest, and installment repayment (only interest is repaid during the grace period, and equal repayment of principal and interest after the grace period). 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, and the computer system will automatically deduct it.

Fourth, how do teachers apply for postal loans?

If you want to apply for a loan, you can go to the post office or the bank to apply for approval. They will decide whether to lend you money according to whether you have stable income and repayment ability.