Validity period of preferential loan line of Postal Savings Bank: up to 5 years. Among them, the deputy department level (inclusive) and the same rank and title personnel, the validity period of the quota is 60 months, and the first 30 months are recycled, and the longest single loan is no more than 60 months; The validity period of the ordinary employee quota is 36 months, and it will be recycled in the first 30 months, and the longest single loan will not exceed 36 months.

"Postal loan" is a personal credit loan product for the existing high-quality customers of Postal Savings Bank. Its characteristics are: actively granting credit to high-quality customers. Credit customers can apply through online banking, mobile banking and other channels without providing paper materials. The average application time is 5 minutes, and the fastest is 3 minutes. Loans arrive in real time, with a maximum loan of 300,000 and a maximum of 24 installments. It can meet other reasonable consumption needs except house purchase and investment.

After the application for credit line of postal savings is approved, users can log in to mobile banking (7.0.2), click "Home-Loan-My Loan" to enter the credit page of postal savings, and click "Withdrawal Application" to operate. The bank will review the user's withdrawal application. If a line cannot be used, it means that it has not been approved and failed. There may be the following reasons:

1. Bank Reason: The Postal Savings Bank system is out of order, or it is being upgraded, so the withdrawal function cannot be used normally. However, this situation is quite special, and notice will be given in official website. This can only be used after the system returns to normal, and it also needs to be re-approved.

2. User reasons: The main reason is that the user's credit conditions are not enough. For example, the credit business of the user's credit inquiry is not fulfilled on time, such as overdue credit cards and loans overdue, leaving bad credit on the credit inquiry; Moreover, the current qualification of users is not as good as the credit line. For example, after the credit line, a large number of liabilities have increased, the credit information has changed, and the repayment ability is not as stable as before.

In short, there are many reasons why postal savings loans are not used. In addition to banks, the borrower's own qualifications are the most critical. In short, the comprehensive score is insufficient, and borrowers need to maintain good credit, establish business contacts with the Postal Savings Bank, and strive to improve their repayment ability before they can use the loan line.