1, provident fund credit loan
The credit loan of the Postal Savings Bank's provident fund refers to the RMB loan issued by China Postal Savings Bank for various legitimate consumption purposes to customers who deposit the housing provident fund under the maximum revolving credit line.
2. Farmers guarantee small loans.
Farmers' micro-loans are guaranteed by three to five farmers, while merchants' micro-loans are guaranteed by three micro-business owners, and the team members are jointly and severally liable. These two types of joint guarantee loans can obtain credit lines within a certain period of time after the joint guarantee team signs the joint guarantee agreement. As long as it is within this credit line and term, and the last loan has been settled, if you want to apply for a loan again, the loan approval process will greatly simplify the farmer's guaranteed loan and the merchant's guaranteed loan, which will be guaranteed by 1-2 qualified natural persons.
3. Farmers' guaranteed loans
Farmers' guaranteed loan means that farmers only need one or two (the number depends on their loan amount) people with fixed jobs and stable income as their loan guarantors.
4. Merchants jointly guarantee loans
Merchant's joint guarantee loan refers to a joint guarantee team composed of three individual industrial and commercial households or sole proprietorship enterprise owners with business licenses, and they can apply for loans from the Postal Savings Bank without other guarantees.
5. Personal credit consumption loans
Personal credit consumption loan is a personal credit loan product launched by Postal Savings Bank, which can be used for car purchase, decoration, tourism, education and other purposes. The application amount is as high as RMB 6,543,800+0,000 yuan, and the longest service period is 3 years, and the credit line can be recycled within 3 years. You can apply if you are under the age of 654.38+08-65, have a good credit record and have a stable income.
6. Online lending
The online loan of Postal Savings Bank is an unsecured and unsecured credit product, and it is a brand-new mechanism that can only rely on personal credit loans. Provide a loan line of1-300,000 yuan to civil servants, teachers, public institutions, employees of listed companies and other high-quality industry customers, and the interest rate can be as low as 5.22% per year. Product application is successful once, and multiple withdrawals can be made within the validity period of credit.