How about Youxiangdai? Is it reliable?

It’s okay!

1. Postal Bank Loan is a loan product provided by Postal Bank for daily personal consumption for customers whose salaries are currently paid by Postal Bank. The biggest feature of this product is that it provides active credit to high-quality customers without mortgage or guarantee. The loan amount is mainly determined based on everyone's salary income. According to Wanka Chengzi, generally the amount you can apply for is about 90% of your annual income, but currently the maximum amount you can apply for does not exceed 300,000 yuan.

2. Youxiangdai is an online loan product of Postal Bank. There is no need to go to local branches to apply. It can be applied through online banking or mobile banking. The maximum loan period is 2 years, so everyone Plan your repayment funds in advance.

3. Youxiangdai’s main service targets are customers who receive salary payments from the postal service, and are mainly used for personal daily consumption. The biggest feature and limitation is that it only provides automatic credit to high-quality customers, without the need for mortgages or guarantees. The loan amount is mainly adjusted based on the individual's salary income. (The judgment of a high-quality customer depends on your own good credit report, or you have good credit in the postal service, the salary limit is relatively considerable, or the deposit is relatively considerable. The above is enough.)

4. Loan interest :

The loan interest rate refers to the latest central bank loan benchmark interest rate in 2019

(1) Short-term loan: within one year (including one year), annual interest rate: 4.35%;

(2) Medium and long-term loans: one to five years (including five years), annual interest rate: 4.75%; more than five years, annual interest rate: 4.90%;

(3) Personal provident fund loan : For five years or less (including five years), the annual interest rate is: 2.75%; for more than five years, the annual interest rate is: 3.25%. (The central bank's loan interest rate only gives a minimum standard. Basically, this interest rate will not be available until a large amount is estimated. Postal loan also rises based on the amount and term of the loan. You can contact the Postal Bank when applying for postal loan. You can calculate the approximate amount there, or you can consult the Postal Bank service hotline)

How do I want to repay my loan in advance?

1. Most people apply for loans just to meet temporary needs. Once they have money, they want to pay it back. However, veterans also know that some loans do not support early repayment.

2. Like the postal loan mentioned today, if someone wants to repay the loan in advance, then you need to know whether your loan contract has any agreement on early loan. If the above If you make an agreement in writing, follow it.

3. Or you can call the credit center of the lending bank to find out whether the loan you apply for can be repaid in advance. If it is clearly stated that you can repay in advance, then you can take the application for early repayment. Go to the bank branch to make the repayment with the relevant information.

One more thing to note is that you need to make an appointment after confirming that you can repay the loan in advance, because in order to ensure the orderly operation of the Postal Bank, most of the Postal Bank requires an appointment in advance. You can call in advance. Call the bank branch that handles early repayment to make an appointment. Then fill in the early repayment application form and submit relevant information and certificates. The whole process is relatively simple. You just need to deposit the money into your repayment bank card, and the bank will automatically deduct it! How about direct loan from Youxiang Bank? Is it reliable?

Relatively speaking, it is still reliable, but you must also pay attention to cautious operation. Youxiang Bank Direct Loan is actually a bank direct loan company. Its operating model is to connect customers at one end and the bank at the other end, so that customers can directly apply for the loan business that suits them from the bank on the direct loan platform. This is a small loan company relying on bank credit. When handling business, safety is guaranteed, but the interest rate is relatively high. You should try to get a loan from a bank, which has high security and relatively low interest rate. The high-quality loan will support repayment in installments, with 12 installments. The repayment date will be notified in advance. There is no need to worry about late repayment. The entire application process is also very simple. No mortgage or guarantee is required, and there is no need to submit information. It is simple and easy. In short, it can help you have a safe and reliable loan platform. (For reference only)

: Youxiangdai is a high-quality loan launched by Postal Savings Bank for employees of high-quality units.

Administrative institutions, central enterprises and affiliated enterprises, or formal employees in finance, electric power, telecommunications, ports, salt industry, refining, tobacco and other industries; who have no other debts except housing loans and credit card overdrafts and can meet these conditions. Can apply.

The application process for Youxiang Loan: 1. First, if the unit is eligible to apply for Postal Bank Youxiang Loan, the leader of the unit shall apply to Postal Bank. 2. The bank will have dedicated handling personnel come to handle the matter. 3. Applicants need to provide their ID cards and fill out the "Loan Application Form", "Credit Inquiry Authorization Letter" and "Provincial Inquiry Authorization Letter". 4. After the application is completed, a text message will be sent to notify whether the application has been approved or not.

Note: Each application requires a minimum of five people in a group to apply. Users who have already applied can not apply again. The loan period of Postal Bank Youxiangdai is up to 5 years, the credit usage period does not exceed 30 months, and the credit limit can be used repeatedly.

Product features: 1. The procedure is simple, you only need to provide your ID card and income certificate. 2. Revolving credit limit, which can be borrowed and repaid at any time. 3. High quota and long term. 4. Credit guarantee. How long does it take to review a postal loan?

How long does it take to review the Postal Advantage Loan:

Generally speaking, within 3 days after the loan officer conducts an on-site investigation of the borrower, the staff will communicate with the borrower and respond to the approval result . However, according to staff from the Postal Savings Bank of China, if the borrower is really in a hurry for money, he or she can communicate and coordinate with the accepting bank in advance to obtain a faster loan time.

Everyone will have times when funds are tight. If you need money urgently, you can obtain a loan through the following methods: Apply for an online loan to borrow money: Most online loans are credit loans and do not require guarantees and collateral, such as borrowing money. With Bei, Weilidai, and JD Gold Bars, the withdrawal speed is very fast after the application is successful, and you can usually borrow the money on the same day.

Which loan platform is the most formal and reliable, with low interest rates and high approval rate, the top ten loan platform recommendations:

Du Xiaoman Finance: Youqianhua is launched by Baidu A personal consumer credit service product, you can get a credit limit after submitting your personal information, and it can be reviewed in 30 seconds at the fastest.

Du Xiaoman-Youqianhua (second batch) click to measure the amount online

Currently, the maximum loan amount you can spend on Youqianhua is 200,000 yuan, and the annualized interest is as low as: 7.2% , the official did not give specific instructions on the specific loan limit. Most users who have money to spend generally have a limit of around 30,000 yuan, and some users have a limit of more than 70,000 yuan.

360 IOU: 360 IOU can borrow up to 200,000 yuan. The daily interest rate for 360 IOUs is as low as 0.027%. However, the actual interest rate depends on the comprehensive qualifications of the borrower. Many people have applied for loans on 360 IOUs.

Click to measure the amount online

Ping An Xinyi Dai (Quick Loan): Ping An Bank Xinyi Dai can provide you with pure credit loans of 10,000 to 500,000 yuan, with a term of 12 There are four options available: 1, 24, 36 and 48 periods, with monthly interest rates ranging from 1.1% to 1.53%. A major product feature of Ping An Bank’s new loan is that it does not require any mortgage or guarantee.

How about Ping An Xinyi Loan’s online credit measurement and Postal Savings Bank’s Premium Loan? The first choice for high-quality users!

The Postal Savings Bank of China is a well-known commercial bank in China. It has many branches across the country. Many people choose to go here to handle financial services. It has many loan products. Today we will introduce one. A loan suitable for high-quality users is called Youxiangdai. Let’s take a look at the details and what application conditions are required.

1. How about the Postal Savings Bank’s Premium Loan? It is a pure credit bank loan that does not require mortgage guarantees, the interest rate is relatively low, and the most important thing is that the loan limit is high. Loan interest rate: The annual interest rate is about 5%, which is related to the borrower's personal qualifications, credit, and assets. It can adopt monthly interest payment, repayment of principal and interest upon maturity, or equal repayment of principal and interest, which is very flexible. For example: a one-year loan with a principal of 10,000 yuan. According to the equal principal and interest repayment method, the interest is 500 yuan a year. The monthly repayment is 41 yuan before the principal and the principal. The principal and interest will be repaid one year after maturity of 10,500 yuan. The loan period, up to 5 years, can be decided based on your actual situation. The better the personal qualifications and the stronger the repayment ability, the longer the loan period. Loan amount: Provident fund monthly deposit*8*30. For example, if Xiao Wang's personal provident fund deposit is 1,000 yuan, the amount is 1,000*8*30=240,000 yuan. The income refers to the after-tax or payment base on the social security (provident fund) website.

Repayment method: You can choose equal principal and interest, equal principal, monthly interest payment and one-time repayment of principal upon maturity.

2. Postal Savings Bank’s preferential loan application conditions (1) The borrower’s personal credit report will be checked. The debt ratio cannot be too high, and there cannot be overdrafts or frequent loan applications. (2) Must be a formal employee of one of the following units: administrative institutions (including public schools and public hospitals); central enterprises and their subsidiaries; state-owned enterprises in the finance, telecommunications, electric power, tobacco, refining, port, and salt industries and its subsidiaries.