China Post Consumer Finance is a consumer financing loan platform under the Postal Savings Bank of China. There are two popular loan products: revolving loan and ultra-fast loan. Generally speaking, China Post Consumer Finance is a licensed consumer finance approved by China Banking Regulatory Commission and controlled by Postal Savings Bank. China Post Consumer Finance was established on 20 15 1 1. It was initiated by seven well-known Chinese and foreign enterprises, including China Postal Savings Bank, and it is a national financial institution that provides comprehensive consumer financial services to China residents.
1. China Post Consumer Finance Co., Ltd. (hereinafter referred to as "China Post Consumer Finance") was established on 20151,headquartered in Guangzhou, and approved by the Insurance Regulatory Commission of the Bank of China, initiated by seven enterprises including China Postal Savings Bank. It is a national financial institution that provides consumer financial services for individual residents. China Post Consumer Finance set up a provincial marketing center in 16 provinces (cities) [3], and the registered capital of China Post Consumer Finance increased to 3 billion yuan in 20 18.
2. China Post Consumer Finance Co., Ltd. was established on 20151019. The legal representative is Lin. The business scope of the company includes: accepting deposits from domestic subsidiaries of shareholders and domestic shareholders (limited to consumer finance companies). Borrowing from domestic financial institutions (limited to consumer finance companies); Approved to issue financial bonds (limited to consumer finance companies); Domestic interbank lending (limited to consumer finance companies); Consulting and agency business related to consumer finance (limited to consumer finance companies); Acting as an agent to sell insurance products related to consumer loans (limited to consumer finance companies); Fixed income securities investment business (limited to consumer finance companies); (Projects subject to approval according to law can only be operated after approval by relevant departments).
China Post Consumer Finance Co., Ltd. is a national financial institution initiated by China Postal Savings Bank. Established in Guangzhou 20 15 1 1.
Third, the loan channel.
China Post Wallet APP, China Post Consumer Finance Co., Ltd. WeChat service number, China Post Consumer Finance Alipay life number, offline self-operated outlets.
What loans does China Post have for consumer finance? There are mainly these
; ? China Post Consumer Finance is a formally established consumer finance company. The loan funds are all invested by shareholders and do not absorb public deposits. At present, it is controlled by China Postal Savings Bank, and its loan products include revolving loan, extremely fast loan, owner loan and postal savings loan, which provide different loan needs for different users. Next, we will introduce these four loan products respectively.
1, revolving loan
Revolving loans can be issued in one lump sum, and the amount can be recycled. Ordinary users aged 65,438+08-60 with stable income and good credit can apply. Application amount 1, 000-200,000 yuan, and the annualized interest rate pricing range is simple interest). Interest is calculated on a daily basis, and partial repayment or full settlement in advance is supported, and no penalty is charged for prepayment.
2. Extremely fast loans
Ultra-fast loan is a credit loan for personal consumption, which requires the applicant to be between 20 and 50 years old, have a stable source of income and have a good credit. The application amount ranges from 1 1,000 yuan to 200,000 yuan, and the annualized interest rate range is also in between (simple interest calculation method). Repayment can be made in 24 installments at the longest, only full settlement in advance is supported, and liquidated damages are required, the amount of which is not less than 3% of the prepayment principal.
3. Owner's loan
The owner's loan can be provided to the mortgage demanders, that is, the applicant has an outstanding mortgage that is being repaid normally, aged between 20 and 50, with a stable income source and good credit, with a maximum amount of 200,000 yuan and an annualized interest rate range in the middle (simple interest method), and the longest installment is 24 months. Early repayment, like fast loans, requires corresponding liquidated damages.
4. Add postal loans
The lending age of Canada's postal loan is limited to 18-40 years old, and it is provided for younger users. It requires college education or above, good credit, and the maximum loanable amount is 200,000. The annualized interest rate pricing range is a simple interest calculation. The lower limit of interest rate is lower than the other three loan products, and the longest repayment period can only be 12. The requirements and expenses of prepayment are related to the extremely fast loans and owners.
These are four loan products of China Post Consumer Finance, and the application conditions and annual interest rate range are relatively clear. You can choose according to your actual situation.
A platform for consumer finance cooperation between China Post and China Post? Look at these.
; ? China Post Consumer Finance, initiated by China Postal Savings Bank, has launched a variety of loan products, such as revolving loan, extremely fast loan, postal loan, owner loan, etc. The maximum loan amount is 200,000 yuan, the longest repayment period is 24 months, and the annualized interest rate is the lowest. So besides downloading the application channel of "China Post Wallet", what cooperation platforms can China Post Consumer Finance apply for? Here are three kinds.
Consumer Finance Cooperation Platform between China Post and China Post
1, Alipay
In the first step, users can directly open Alipay and directly enter China Post's consumer finance in the homepage search bar;
Step 2, find China Post's consumer finance life number, click I want to borrow money, and confirm that China Post is authorized to obtain personal information and credit information through Alipay;
Step 3: Check the application conditions of different loan products, and select one to apply immediately;
Step 4: Select loan amount, loan term and loan purpose, then verify relevant information and click Next;
Step 5: Confirm your name and ID card, enter the bank card number, verify the reserved mobile phone number of the bank, check the relevant agreements, and click Submit.
2. Wechat
Pay direct attention to the official account of China Post Consumer Finance WeChat, click on the bottom left of the page to borrow money, and you can choose different loan products to apply;
Or search China Post's consumer finance applet. After entering, select a loan product and click Apply Now. The specific operation steps are the same as above.
3.JD.COM
Download the Jingdong Finance app, open the login, click Borrow Money on the homepage of Baitiao, and select the consumer finance loan products of China Post. The specific application procedure is the same as above.
The above is about China Post's consumer finance cooperation platform. The cooperation platform is also a commonly used big brand software, which can be selected according to your convenience.