Easy to borrow,

China Post's consumer finance is relatively good in the market for the following reasons:

1, the application threshold is low

At present, there are many popular products in China Post's consumer finance, such as E-mail loan, quick loan, new citizen loan, owner loan, excellent customer loan, revolving loan and postal loan. Most applications have low thresholds.

For example, as long as the age is between 20 (inclusive) and 50 (inclusive), provide a valid China second-generation resident ID card and bind the bank card. Most people are eligible to apply, which is much lower than the bank loan threshold.

2. User word of mouth

According to the feedback from different borrowers, it is said that China Post Finance will soon lend money to people with good qualifications and good credit, and the next payment will arrive soon, basically on the same day.

Therefore, if you want to get a quick loan and apply online, you can submit the loan information in China Post Consumer Finance. If you have a good personal reputation, you can make a payment soon.

Is it easy for China Post to get a quick loan?

It depends. If the borrower meets the application conditions of China Post's ultra-fast loan, the loan will naturally be approved. If it does not meet the requirements, it may be rejected. China Post's ultra-fast loan is a micro-loan product of China Post's consumer finance. China Post's consumer finance is a financial institution under the Postal Savings Bank, so this loan is for credit, and it will also be checked for credit. If the borrower's credit is not good, he may not be able to apply.

I. Loans

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the loan matters needing attention

1, loan amount:

When applying for a loan, the amount applied for should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should also apply for a loan amount according to their repayment ability to avoid the economic pressure caused by excessive monthly payment.

2. Loan information:

The borrower must ensure that the information provided to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan.

3. The purpose of the loan:

When filling in the loan purpose, the borrower should write down the loan purpose frankly and clearly, which will make it easier to pass the examination.

Third, the consequences of loans overdue.

1. Penalty interest: When signing a loan contract, some relevant regulations are generally made for loans overdue. If the loan contract is overdue, there will generally be a penalty interest. For different financial institutions, the amount of penalty interest and the interest generated are different. However, as an expense that should not be spent, it is better not to generate it.

2. Credit stain: This should not be underestimated. Once in loans overdue, the bank will report your overdue records to the central bank's credit information system. Once the record is generated, it will leave a stain on your personal credit report. This small stain will form a great resistance to your future loan or credit card application, so the borrower must not lose big because of small.

3. You can't enjoy the preferential loan interest rate: We all know that when you apply for a loan from a bank, the loan interest rate will fluctuate to varying degrees, and high-quality customers can usually get the lowest loan interest rate. Users with loans overdue records can't enjoy preferential interest rates even if they can get a loan application.

Is it easy to ask about China Post's consumer finance?

China Post's consumer finance is very good. However, because everyone's asset strength is different, the speed of the next payment and the amount of approval are also different. In addition, China Post's consumer finance loan is about 1-3 working days.

The conditions for China Post to apply for consumer finance are:

1. Applicants need to submit real-name ID information, and face recognition needs to be consistent with the ID photo.

2. The applicant must be over 18 years old and under 50 years old.

3. Applicants need to have a fixed income, and China Post Consumer Finance will check the salary flow of the applicants.

4. If the loan amount is used for business or car purchase, the applicant needs a guarantor and mortgage.

5. The loan credit is good and there is no bad credit record.

China Post's consumer finance products include mail you spend, mail you loan, and mail you buy. Post Your loan is unsecured, with a maximum amount of 200,000. Mailing your flowers is a convenient payment product that consumes first and repays later. Shopping by mail to you requires users to buy goods by mail to your mall, and they can choose to shop by installment or pay by mail to you.

There are licensed small loans in the market, such as Du Xiaoman, Zhong 'an Small Loan, 360 IOU, Pat Loan, Foreign Currency Pot, Provincial Loan, Micro Loan, Lending Treasure, Staging Music, Banyan Tree Loan, Jingdong Finance, Ping An Pratt & Whitney, Ma Shang Finance and its bank small loan products, and so on. Several small loan products have been used in business turnover before. In fact, every small loan platform has an internal application entrance, with low interest and easy access. Share it with those in need and scan the QR code below to enter!

Therefore, users can choose which product to apply for according to their actual needs. Users who prefer shopping can try to apply for sending you flowers and buying them by mail.

China Post Consumer Finance cash treasure mainly provides revolving loans, cash loans, installment loans and three loan products for merchants.

1 Send you flowers by post

Credit line: 1000-200,000 yuan (real-time repayment recovery line)

Interest rate: the daily interest rate is 0.045%-0.05%, and the annual interest rate is about 16.4%.

2 You Dai Ni.

Credit line: up to 200,000 yuan.

Interest rate: the lowest is 0.6%, and the annual interest rate is about 7.2%.

3 you ni Gou

You can enjoy interest-free shopping by installment loan.

To sum up, the interest of China Post's consumer finance is determined according to the borrower's credit and specific loan products. The minimum annualized loan interest rate is 7%, and the general annualized loan interest rate is still above 14.04%. The specific interest rate depends on the examination and approval results.