The amount is between 1,000 yuan and 100,000 yuan. The interest rate is 1 minute and 80 cents. Why is it 1 penny interest? Let me explain because the Postal Bank does not charge handling fees again. It is not more than asking ordinary people for an extra penny. The repayment method is to repay the principal and interest in equal installments in stages, with the first 10 months of interest repayment followed by two months of principal repayment, or the first 8 months of interest repayment followed by four months of principal repayment. The term is all 1 year.
The difference between Postal Bank and Credit Union Agricultural Bank of China is that Postal Bank disburses money quickly and efficiently. It basically disburses money within 3 days with complete procedures and does not charge any handling fees.
Procedures and Requirements
1. Joint Insurance Requirements
1. Aged between 18 and 60 years old.
2. Live locally for more than one year or reside locally.
3. Must be married.
4. The purpose of the loan is clear.
5. Have fixed operations and stable sources of income. Postal Bank does not support entrepreneurial loans.
6. No bad credit record.
Joint insurance procedures:
1. Personal ID card and spouse’s ID card.
2. My household registration book and my spouse’s household registration book.
3. Marriage certificate.
4. Real estate certificate.
Attachment: If you have a car, you need to provide a business license. If the land exceeds 40 acres, you need to provide a land contract.
2. Guarantee requirements
1. You need to find a staff member working in a national enterprise to provide a guarantee. For example: civil servant
2. Aged between 18 and 55 years old.
3. Income is twice the monthly repayment.
4. No bad credit record.
5. Local work.
Guarantee procedures:
1. Identity card of the guarantor
2. Work certificate of the guarantor.
3. The guarantor’s salary passbook or salary card, and if there is a bonus, issue a bonus income certificate from the unit.
If you meet the above requirements, Postal Bank is willing to cooperate with you. If it is a joint guarantee, no guarantor or mortgage is required, and the bank will never charge any handling fees. Postal Bank will always serve rural areas and farmers and serve the people. If there are Postal Bank staff who do not abide by bank work disciplines, you can appeal the credit Personnel, complaint hotline: 95580