Postal savings loan is a personal credit loan product launched by Postal Savings Bank, which covers various service modes such as postal savings loan-exclusive to salaried customers, postal savings loan-exclusive to outstanding customers, and postal savings loan-high-quality enjoyment.
At present, the maximum applicable amount of postal savings loans is 200,000, and the longest service period can be divided into five years.
The postal loan interest rate is comprehensively evaluated according to the user's personal qualifications. The better the user's credit conditions, the lower the interest rate.
Under normal circumstances, if the applicant is 25-60 years old, has applied for a commercial loan in the Postal Savings Bank, or is a regular employee of a quality enterprise, it will be better for the Postal Savings Bank to apply for a postal savings loan on behalf of the salary.
The interest rate of postal loan for 200,000 years is about 7700-8700 yuan, and the official annual interest rate of postal loan is between 3.85% and 4.35%. Interest rates vary with individual qualifications. Please refer to the actual interest rate at the time of borrowing. The interest calculation formula is: loan interest = loan principal × loan interest rate × loan term.
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