Is the postal savings loan a formal loan? How about postal loan?
China Postal Savings Loan will be repaid in installments, with a loan term of 3-48 months and an annualized interest rate of 7.77%. So if you borrow 10000 yuan by post, the annual interest is 777 yuan.
You can apply for a revolving loan of 1 0,000 yuan to 200,000 yuan, and the maximum revolving loan can reach 200,000 yuan, subject to the final approval result of China Post Consumer Finance Co., Ltd. ..
At present, there are many small loans on the market that are relatively easy to apply for. They apply for online loans directly, without providing mortgage guarantee, and can borrow money entirely by personal credit. For small loans, it is best to choose formal institutional products, which will be safer, less stressful and will not affect daily life and work. Friends in need can look at these models:
1, money to spend
It is a credit service brand under Xiaoman Finance. It is a platform for Xiaoman to borrow money. Xiaoman is the original Baidu Finance. Backed by a licensed institution like Baidu, rich loan products are relatively more reliable.
Licensed financial institutions, such as United Bank and consumer finance companies, have the money to provide services to borrowers. The source of funds is authoritative and professional, and the password is also reviewed every time the loan is made. The loan can only be placed in the bank card in the borrower's own name.
Apply with ID card and bank card (except for college students). The maximum loan amount is 200,000, the minimum annualized interest rate is 7.2%, and the fastest time is 30 seconds. 1 minute.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
2360 IOUs
It is the leading formal loan platform in China under 360 subjects. You can apply with your ID card and bank card. The result of identity authentication can be obtained in 30 seconds at the earliest, the loan can be released in 3 minutes at the earliest, and the money can be received in 3 minutes after the application is submitted successfully.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
3. Ping An New Loan
Ping An Xinyi Loan is a pure credit loan product of Ping An Bank, and the borrower does not need to provide mortgage and guarantee. This product can provide a loan of1-500,000 yuan, the service life is 12 months to 48 months, and the monthly interest rate is1.1%-1.53%.
Ping An Xinyi Loan belongs to the bank's loan product, but the application process is very simple, and the following payment speed is also very fast. If the loan information provided by the borrower is complete, the loan can be released as soon as 1 day.
Ping An Xin Yi Dai Click Online Measurement
At present, credit loan products can be loaned only by ID card, without guarantee and mortgage. They are loans applied for through personal credit. There are many loan platforms that provide credit loans, but some of them are unreliable. Loan applicants should pay attention to screening.
Depending on whether the loan platform is reliable, we can see whether there is permission from the licensed institution, whether there is a charge before the loan, and whether the loan interest rate meets the national regulations.
A reliable loan platform has no pre-loan fees, and the loan interest rate will not exceed the scope of national laws. Licensees will have a certain application threshold, and not everyone can apply. Loans that everyone can apply for are often tricky. Don't let your guard down for the success of the loan.
What's the interest on your loan? Is it higher than other platforms?
As a regular army in the credit field, consumer finance companies have always been the first choice for borrowers. Post Your Loan is the consumer finance loan platform of China Post. So, what's the interest on your loan? Is the loan interest high? I'll answer this question for you today.
Repayment by installments, with the loan term of 3-48 months. If you borrow 10000 yuan, your loan interest rate can be as low as 777 yuan a year.
However, it is not easy for everyone to get lower interest rates. Everyone must work hard in three aspects:
1. Strive to improve personal credit and maintain a good loan record in any financial institution;
2. Work hard, so that the higher your income, the better, and constantly improve your repayment ability.
Next, let's see if your loan interest is high. . The interest levels of mainstream lending platforms are as follows:
1, the daily loan interest rate of ants is around, and the converted annual loan interest rate is around;
2. The daily loan interest rate of micro-loans is around, and the converted adult loan interest rate is around;
3. Ping An Pratt & Whitney's daily loan interest rate is around, and the converted adult loan interest rate is around;
4.360 The daily loan interest rate of IOUs can be as low as the adult loan interest rate. Generally speaking, the interest of postal loans is at a medium level in the online loan industry and is still within an acceptable range.
Is the interest on your loan high?
Postal savings loan is a credit loan product. Official website shows that the annual interest rate can be as low as 7.77%. Taking the loan 10000 yuan and the loan time 1 year as an example, the loan interest is10000 * 7.77% *1= 777 yuan. Compared with other loan platforms' annualized interest rates of 9% and 12%, the annualized interest rate of 7.77% is relatively low, which has advantages among many loan products.
1. Post Your Loan is an unsecured credit loan issued by China Post Consumer Finance Co., Ltd. to residents in China for personal consumption.
The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risk in the loan review stage is mainly manifested in the omission of the review content. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, the loan examiners of some commercial banks failed to disclose one thing, which led to credit risk. In practice, without due diligence, loan examiners often only pay attention to the identification of documents, but lack due diligence, so it is difficult to identify fraud in loans and cause credit risks. Wrong judgment, the bank did not listen to experts' opinions on the relevant content, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects.
Two, when applying for a loan, should provide: proof of marital status, personal or family income and property status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank. In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc.
Microfinance is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally more than 6,543,800 yuan and less than 200,000 yuan. The treatment process generally needs to be guaranteed. Microfinance is an extension of microfinance in technology and practical application.