Of course. China Post Bank has a quota and can buy a car by stages. The bank card transaction limit for repayment does not affect the deduction of car loans, and the loan issuance and return are not within the bank card limit. China Postal Savings Bank can be traced back to the postal savings business started in 19 19, and it has a history of one hundred years. Its personal services include: investment and wealth management, insurance, funds, precious metals, national debt, fund depository, asset management plan and personal product information inquiry platform; Debit cards and (deposit and loan remittance): debit cards, personal deposits, credit services, foreign exchange, payment and settlement, etc.
Postal savings bank car loan processing process is very simple, the first step is very important!
In the era of rapid economic development in China, many people have the ability to buy private cars. However, when buying a car, many people are not willing to pay the car price in one lump sum, but will choose a loan. Someone is consulting the car loan processing process of the Postal Savings Bank. Today I will introduce the specific content for you.
Postal savings bank car loan has the characteristics of fast payment and transparent service, and the loan review results can be obtained in two days at the earliest. There are only six steps to apply for a loan.
1. Submit a loan application
Generally speaking, the car loan of the Postal Savings Bank requires everyone to go to the business outlets of the Postal Savings Bank and cannot be handled by others. When you apply for a car loan, you need to fill out a car loan application form completely.
2. Bank investigation and approval
After receiving the loan application provided by everyone, the bank will conduct a loan investigation according to the borrower's information and data in the system to judge whether the borrower meets the loan conditions and determine the loan amount.
3. Sign a loan contract
After the loan is approved, everyone can go to the Postal Savings Bank outlet to sign a loan contract.
4. Implement the loan conditions
After the loan contract is formally signed, the Postal Savings Bank will also review the car loan before issuing it. Generally speaking, as long as everyone's personal credit does not suddenly deteriorate, there is no problem.
5. Banks issue loans.
The bank will directly transfer the car purchase money to the car dealer's account, and everyone can pick up the car directly after receiving the next notice.
6. The borrower repays the loan on schedule.
In the days to come, all you have to do is repay the money according to the contract. The automobile loan of Postal Savings Bank adopts the form of automatic deduction.
How to handle postal installment payment?
China Postal Savings Bank mainly applies for credit cards by stages in the following ways.
1, Personal Online Banking Application of Postal Savings Bank
When handling business through online banking, cardholders need to log in to the personal online banking of China Postal Savings Bank and choose a credit card to apply for transaction installment. After the application is successful, the page displays detailed information such as the number of installments, installment fees, repayment and so on.
2. Mobile banking application of Postal Savings Bank
After downloading the mobile phone client of Postal Savings Bank, the cardholder logs into the mobile phone bank of Postal Savings Bank, selects a credit card, then selects the credit card applying for transaction installment, and then selects the installment amount and number of installments to submit the application.
3. Postal savings bank credit card customer service hotline manual service
Cardholders can call the Postal Savings Bank credit card customer service hotline, and then transfer to manual service. When applying, they must inform the customer service staff of the transaction details of applying for installment payment, including the transaction time, transaction place, transaction amount and application period, and the customer service staff will immediately inform the successful acceptance result.
For more information about how to handle postal installment payment, please visit: See More.
Is it easy for the Postal Savings Bank to apply for a car loan? Get these ready. We will get the result in 2 days!
Now, cars have become an indispensable part of every family. However, when buying a car, many people can't pay off the loan at one time, but will choose a loan. Someone is asking: is it good to apply for a car loan from the Postal Savings Bank? Today, I will introduce the relevant contents to you.
All along, the Postal Savings Bank has given you a relatively low-key impression. In fact, the overall situation of auto loans of Postal Savings Bank is similar to that of other banks. You can apply if you meet the application conditions and prepare the loan information.
Application conditions
1, a non-citizen aged over 18-60, who is a citizen of China and has lived continuously for one year and has a fixed residence and occupation;
2. You can pay more than 30% of the total car price as the down payment for car purchase;
3. Personal credit is good and there is a relatively stable income.
Loan information
1, my valid identity certificate, and the married person should submit proof of marital status;
2. Proof of occupation and income or other proof of repayment ability;
3. Proof of down payment for car purchase and the original car purchase contract signed with the car seller;
4. My motor vehicle driver's license, savings card or postal savings bank passbook.
Postal savings bank car loans can be issued within 2 working days at the earliest, and the overall loan process is sunny and transparent. Therefore, it is better for people with better personal comprehensive conditions to apply for a good car loan from the Postal Savings Bank.
How to handle the installment payment by postal credit card?
1. Download and log in to the Postal Savings Credit Card APP. You can see "bill installment" and "transaction installment" in "Card Manager".
2. Choose the staging type according to your own situation. Here, take "Transaction Staging" as an example, and click Transaction Staging.
3. Enter the "Apply for Transaction Staging" page, and you can see the card transactions that can be staged recently. The figure shows four transactions.
4. As shown in the figure, select one of the installment transactions and click.
5. Enter the specific settings page of "Transaction Staging", and you can see the number of stages, the handling fee for each stage and the total handling fee.
6. According to your own situation, select the specific number of periods, select 3 periods in the figure, display the information such as the amount to be repaid in each period, and confirm the record after selection. After the application is completed, you will receive a short message from the bank to confirm the transaction by stages.
This is the end of the introduction of installment purchase of postal savings credit card and credit purchase of postal savings bank. I wonder if you found the information you need from it?