The monthly interest rate of Youxiang Loan is 5%.

The quota of Youxiangdai for the first and second category customers is the monthly salary multiplied by 36, and the monthly salary for the third category customers is multiplied by 24. The term is 1 to 5 years for the first and second category customers, and 1 for the third category customers. Until 3 years, the monthly interest rate is about 5%, and the principal will be repaid when the interest is due monthly, with equal principal and interest.

Youxiangdai is a loan that specifically serves employees of administrative institutions and state-owned large and medium-sized enterprises. It is an upgraded product of the current Postal Savings Bank salary loan.