A: The maximum amount of postal online loan is 6.5438+0 million yuan.

The maximum credit loan of the Postal Savings Bank is 6,543,800 yuan, and the loan amount is determined by the Postal Savings Bank according to the results of the applicant's personal credit report. The better the general credit, the higher the loan amount, and the specific loan amount is subject to the value agreed in the contract.

There are four types of postal savings banks: farmers' guaranteed loans, farmers' guaranteed loans, merchants' guaranteed loans and merchants' guaranteed loans.

How much credit can I borrow and how many years can I borrow?

The maximum loanable amount of a bank's credit loan will generally not exceed 6.5438+0 million yuan, and in a few cases it will exceed 6.5438+0 million yuan. The longest service life of bank credit loans is 5 years, generally 654.38+0-3 years. The maximum loan amount and use cycle of online loans are subject to the actual situation of each online lending platform.

If users want to apply for personal credit loans from banks, they should pay attention to the following two points:

First, maintain personal credit. Personal credit loans, personal credit can not have problems, can not have overdue records, but the most basic small debts can not have overdue records, the number of overdue times in the past two years has not reached three times; /kloc-No more than 8 hard queries in 0/year, and no more than 3 times in the last 3 months. In addition, the borrower must have a stable income and be able to independently undertake the obligation to repay the loan.

Second, the loan amount should be appropriate. The longest term of personal credit loan is 5 years, which is relatively rare, generally 1-3 years. Borrowers need to choose the appropriate loan amount and term according to their own credit status, and don't borrow blindly. For example, if you earn more than 4,000 yuan a month and want to apply for a credit loan of 50,000 yuan, even if the loan lasts for 3 years, there will be certain risks, and then you may be rejected by the bank.

What is the maximum loan of Alipay?

Alipay loan is a loan service of Alipay, and a certain loan amount is given according to different sesame credit scores of individuals. Since it is a loan service, the problem is coming. How much can Alipay borrow?

Sesame score above 600: loan 1000-50000 yuan.

Borrowing is an online loan service of Alipay, and the application threshold is more than 600 points for sesame. According to different scores, the loan amount that users can apply for ranges from 1000-50000 yuan.

As a loan service, interest needs to be calculated. The longest repayment period is 65,438+02 months, and the expected annualized interest rate on the loan day will be repaid with the loan. The annual interest rate of 1 000 yuan is about 92 yuan.

If your Alipay sesame score is above 600, the loan amount that users can apply for ranges from 1000 yuan to 50,000 yuan, mainly based on the sesame credit score. You can use mobile phone Alipay to check.

Sesame score above 700: the maximum loan is 60,000 yuan.

In addition, users with a sesame score of 700 or more can also apply for a "good loan" with a loan amount of 2000- 1 10,000 yuan. The loan term is divided into 3 months, 6 months and 65,438+02 months, and the loan can be repaid at any time, with monthly interest. The repayment method is equal principal and interest.

In other words, if the Alipay sesame score is above 700 points, then the maximum loan on Alipay can be 60,000 yuan.

Let's stop here for the introduction of the maximum amount of online loans.