The repayment methods of online loans of Postal Savings Bank mainly include: equal principal and interest, average capital, equal principal and interest in installments, etc. When the loan is repaid, the interest will be repaid together with the principal of the current month. Let's get to know it with Cai.
However, it is necessary to pay attention to the different repayment methods, and the calculation method of interest will be different. The interest of the repayment method of equal principal and interest is: [loan principal × monthly interest rate× (1+monthly interest rate) repayment months]+[(1+monthly interest rate) repayment months-1]-loan principal; The interest of this repayment method in the average capital is: (loan principal-accumulated repayment principal) × monthly interest rate.
Online loans can be repaid in advance and can be operated directly through online banking or mobile banking. However, when making advance payment, you should pay attention to
How does the Postal Savings Bank repay the loan in advance?
Postal savings bank's online loan link supports loan-and-return. For prepayment, customers can log in to the online banking and mobile banking APP of Postal Savings Bank and enter the online loan link page to operate repayment. The system will charge interest according to the actual loan term, which is subject to the amount displayed on the repayment page.
The online loan of the Postal Savings Bank is a personal credit consumption loan with a quota of1-300,000 and a minimum annual interest rate of 5.22%. Customers who need funds can consider it. If you want to consult, you can directly call Postal Savings Customer Service at 96086.
How to repay postal loans on mobile phones
After the user downloads and installs the Postal Savings Bank mobile APP, click Home-Loan-Online Loan-Repayment in advance, and then you can repay manually. You can also click on the details of the repaid loan to inquire about the specific details of the current repayment of this online loan. If the previous repayment bank card is abnormal, you can also change the repayment account through mobile banking, which can ensure the normal deduction of the system.
If the online loan of Postal Savings Bank is overdue, the overdue record will be uploaded to the People's Bank of China for credit investigation, which will have an impact on personal credit investigation.
Postal savings in China can be traced back to the postal savings business started in 19 19, which has a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company.
From 20 15 to 12, ten domestic and foreign strategic investors were introduced. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 to 12 were listed on the Shanghai Stock Exchange, and the three-step reform goal of "share reform-leading enterprise-listing in A and H" was successfully completed.
With nearly 40,000 outlets and serving more than 600 million individual customers, the Bank aims to serve the "agriculture, rural areas and farmers", urban and rural residents and small and medium-sized enterprises, and is committed to providing services to the most dynamic customer groups in China's economic transformation, and accelerating the transformation to a new retail bank with data-driven, channel collaboration, wholesale and retail linkage and efficient operation.
With excellent asset quality and remarkable growth potential, the Bank is a leading large-scale retail commercial bank in China. The Bank insists on serving the real economy, actively practices the national strategy, supports the construction of China's modern economic system, and realizes its own sustainable development. Adhere to customer-centric, build an online and offline integrated financial service system, and provide our customers with high-quality, convenient and efficient integrated financial services.
Adhere to risk orientation, continuously improve the construction of "all-staff, all-round and all-staff" comprehensive risk management system, and maintain an excellent level of asset quality. Adhere to the business philosophy of "benefiting the people in urban and rural areas" and actively fulfill social responsibilities in providing inclusive finance services, developing green finance, and supporting precise poverty alleviation.
After 13 years' efforts, the bank's market position and influence have become increasingly prominent. In 2020, the Bank's Tier 1 capital ranked 22nd among 1000 global banks published by The Banker. In 2020, Fitch and Moody's respectively gave the bank A+ and A 1 ratings consistent with China's sovereignty; Standard & Poor's Global gave the bank a rating; Standard & Poor's credit rating gave the bank AAAspc rating, and the prospect is stable.
Facing the promising period of strategic opportunities for China's economic and social development, the Bank will thoroughly implement the new development concept, comprehensively deepen reform and innovation, accelerate the transformation and development of "characteristic, comprehensive, light, digital and intensive", continuously improve the quality and efficiency of serving the real economy, focus on improving the ability to serve customers, and strive to build itself into a first-class large-scale retail commercial bank with customer trust, distinctive features, stability and safety, innovation-driven and excellent value.
Can the Postal Savings Bank's online loan pass be taken out immediately after prepayment on the app?
Sub-situation: ① If the online loan is within the validity period of the credit line, it can be used immediately after repayment; (2) If the validity period has expired and it can't be used after repayment, you can only apply first, and you can only use it after the online loan system has passed the examination and the system has granted a certain credit line and the usage line has arrived.
1. How to withdraw cash from postal online loans?
1 online bank withdrawal: firstly, you need to log in to the personal online bank of Postal Bank, and then click "Personal loan-online loan link-loan withdrawal-select bank account, which must be the account bound when handling online loan link"; Then select the withdrawal amount and fill in the loan application information; After confirming the withdrawal information, enter the SMS password and the withdrawal is successful.
2. Mobile banking withdrawal: directly open the postal mobile banking APP, find a personal loan, click "online loan processing" and select "loan withdrawal".
The above is the introduction of the postal online loan withdrawal process, and users can choose the way that suits them. It should be noted that after withdrawing the loan, you must remember to repay it on time.
Second, the online loan link of the Postal Savings Bank supports loan-and-return. For prepayment, customers can log in to the online banking and mobile banking APP of Postal Savings Bank and enter the online loan link page to operate repayment. The system will charge interest according to the actual loan term, which is subject to the amount displayed on the repayment page.
The online loan of the Postal Savings Bank is a personal credit consumption loan with a quota of1-300,000 and a minimum annual interest rate of 5.22%. Customers who need funds can consider it. If you want to consult, you can directly call Postal Savings Customer Service at 96086.
Postal savings business of China Postal Savings Bank can be traced back to 19 19 years, with a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company. From 20 15 to 12, ten domestic and foreign strategic investors were introduced. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 12, listed on the Shanghai Stock Exchange, and successfully completed the three-step reform goal of "share reform-leading out-listing in A and H" [19].
Brief introduction of postal savings
Three, China postal savings can be traced back to the postal savings business started in 19 19, with a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company. From 20 15 to 12, ten domestic and foreign strategic investors were introduced. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 to 12 were listed on the Shanghai Stock Exchange, and the three-step reform goal of "share reform-leading enterprise-listing in A and H" was successfully completed.
Operating environment: postal bank v3.0.5 mobile phone version of Huawei mate30 HarmonyOS system operating system.