How long does it take to apply for a postal bank loan?

1. How long does it take to get a loan from the Postal Bank?

Mortgage 1 month or so, credit loan for 3-5 days.

Loan processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Second, how long can the postal savings loan be approved? Four points that should be paid attention to in personal loans

With the continuous development trend of social development, the development trend of IT industry is very fast, but I don't know that all banks are not behind the times. The development trend of the Postal Savings Bank has increased a lot in recent years, and there are many existing preferential policies, so you can apply for services for everyone. I don't know that many people want to apply for loans at the Postal Savings Bank to cope with the pressure of their own economic development. However, it must be noted that if you want to borrow money from the Postal Savings Bank, you must meet certain standards and wait carefully. Let's learn more about how long it takes to approve postal loans and four common questions about postal express credit loans.

How long can the postal savings loan be approved?

How long the postal express housing loan can be approved depends on the borrower's personal situation and the postal bank's application for housing loan business process review. The examination time of the housing loan of the Postal Savings Bank must be one week. Financial institutions have not made relevant commitments on the review time limit of my house purchase loan. Under normal circumstances:

1. The loan application materials submitted by the borrower are complete, true and accurate. Generally, Japanese financial institutions will review the foundation within 5- 10 working days.

2. Second-hand houses with loans are generally issued every 3- 7 working days after mortgage. New houses are uniformly applied by real estate developers, and financial institutions are allocated according to batch numbers.

Postal Bank of China (commonly known as pc, China Postal Savings Bank) announced its listing on March 20th, 2007. It is the fifth largest bank in China and a state-owned bank based on the reform and innovation of the management mechanism of Postal Savings Bank.

Four common problems of credit loan for postal express delivery

1. Repay the loan according to the income distribution.

Repayment distribution mainly determines the loan life and down payment ratio. Most housing loans are paid by installments, that is, equal principal and interest loans, and equal principal and interest repayment every month. When the house price is fixed, choosing different loan years and down payment ratio will determine different average repayment levels. Generally speaking, the longer the loan term or the higher the down payment ratio, the smaller the amount that must be repaid every month, and vice versa.

2. Choose the best way to borrow money

At present, the interest rate of provident fund mortgage is a little lower than the current commercial loan interest rate, so as long as it meets the criteria for applying for provident fund mortgage, try to apply for personal provident fund loan. It must be noted that the provident fund mortgage stipulates that the lender is the depositor of the provident fund first, and those who have no personal provident fund savings can only apply for commercial loans.

3. Pay attention to the risk of interest rate changes.

The interest rate of house purchase loan is floating interest rate. As long as the People's Bank of China adjusts the interest rate, the interest rate of the lender's repayment will change accordingly, and the lender will encounter great interest rate risk in the housing loan.

Don't forget to find a financial institution if you have difficulties in repayment.

When your repayment ability drops during the loan period and it is difficult to repay, you don't have to insist on it yourself. An application for extending the loan term can be explicitly submitted to a financial institution, and the application for extending the loan term will be tried after the financial institution has made a conclusive investigation and there is no default in repayment cost and loan interest.

Criteria for postal banks to apply for loans by themselves

General partners aged 1 and 18-60, with full capacity for civil conduct;

2. Have a stable position and income, have the ability to repay loans, and have a good personal credit record;

3. Have the real identity of urban residents' accounts or settle down reasonably in the city where they live;

4. Have established the willingness to consume or have signed relevant consumption contracts;

5. The loan guarantee recognized by the borrower can be pledged.

6. Other provisions required by financial institutions.

According to the above detailed introduction, we can know that the audit time of the Postal Savings Bank is actually different in different repayment methods and different groups. You can learn about it according to your own specific situation. All good advice. After handling the loan, everyone must make effective use of the money. Only in this way can we get many benefits. I look forward to this kind of help for everyone.

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3. How long does it take to get a loan from Postal Bank?

It usually takes 3-5 days.

You can apply at the local bank.

Apply for a bad article

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. There is no bad credit record, and the purpose of the loan cannot be used as a high leakage behavior such as stock trading and gambling.

5. Other conditions required by the bank.

deal with

1. Submit an application to a local bank or lending institution;