Please consult customer service.
2. What are the conditions for a loan from the Postal Savings Bank?
To apply for a loan at the Postal Savings Bank, you need to meet the following conditions: 1. Applicant 18 years old, with legal and valid identification; 2. The applicant has a stable occupation and income and can repay the loan on schedule; 3. The applicant can provide a guarantee recognized by the postal bank; 4. The applicant has good credit and full capacity for civil conduct; 5. Other conditions stipulated by the Postal Bank. Postal savings loan is a personal RMB consumption loan issued by China Postal Savings Bank to natural persons, which is used for various legitimate consumption purposes, including postal savings loan-exclusive to wage customers, postal savings loan-exclusive to outstanding customers, postal savings loan-high-quality enjoyment and other service modes. 1. Product features: high quota, long term, low interest rate, simple procedures, easy repayment, loan instructions (1) High-quality loan mode-online application, rapid approval of postal loans-High-quality loans are RMB consumer loans issued by banks to natural persons with good personal credit status and social records, which support various guarantee methods such as mortgage and credit, and are used for legitimate individuals. 1. Loan target: 25-60 years old, full-time employees of party and government, administration, institutions and quality enterprises can apply for credit loans, and customers with houses can apply for mortgage loans. 2. Loan amount: the maximum credit is 6,543,800 yuan+0,000 yuan. 3. Loan term: the longest credit loan is 5 years, and the longest mortgage loan is 654.38+00 years. 4. Repayment method: One-time repayment with monthly interest, one-time repayment with interest, matching principal and interest, average capital and other repayment methods are freely selected. 5. Withdrawal method: You can use mobile banking or direct credit card (2 1. Loan target: salaried employees with age 18-60, stable jobs and meeting other loan conditions of the Bank. 2. Loan amount: the maximum credit is 200,000 yuan. 3. Loan term: up to 3 years.
3. What are the policies for postal savings loans?
You just need the borrower to bring your ID card. For example, you can apply together at an open outlet, be investigated, pass the examination and approval, and get it after signing the contract.
Materials to be prepared for applying for the Postal Savings Bank:
(1) application form;
(2) The original and photocopy of my valid identity certificate;
(3) local permanent residence book
(4) Other materials required for handling loans;
(5) Marriage certificate or marriage certificate.
4. How many kinds of loans will the Postal Savings Bank have in 2020?
1, syndicated loan
Syndicated loan refers to a loan method that allows many banks or non-bank financial institutions to operate loan business, and provides funds to the same borrower according to the agreed term and conditions based on the same loan conditions and the same loan agreement. According to the different loan methods, syndicated loans are divided into direct syndicated loans, indirect syndicated loans and joint loans.
2. Real estate development loans
Real estate development loans refer to loans issued by banks to borrowers for the development and construction of real estate projects sold and leased in the market. The types of real estate development loans include both housing development loans and commercial housing development loans. Development loans with various maturities, quotas and purposes can be provided.
3. Entrusted loan
Entrusted loan refers to a loan provided by a government department, enterprise, institution or individual, with the Postal Savings Bank as the trustee (lender), domestic and foreign enterprises (enterprises) legal persons or other economic organizations as the borrowers determined by the client, and with the purpose, currency, amount, term, interest rate and repayment method determined by the client to issue, supervise the use, assist in recovering the principal and interest and collect the handling fee.
4. Corporate loans
The small business loan of China Postal Savings Bank refers to the RMB-guaranteed loan provided by Postal Savings Bank for the normal production and operation of enterprises. The small business loan of Postal Savings Bank has the characteristics of simple application, high examination and approval efficiency and flexible loan methods, and can be secured by land and real estate mortgage, policy guarantee company and so on.
5. Second-hand housing loans
Personal housing mortgage loan refers to the loan issued by postal savings institutions to borrowers for the purchase of housing or commercial housing. Applicable to natural persons aged 18-60 with full capacity for civil conduct; Have a stable occupation and income, have the ability to repay, and have a good credit record.