China Post Consumer Finance Loan Conditions

1. Have a fixed job and income

If you want to apply for a loan product from China Post Consumer Finance, you must first have Regular job and income. Having a regular job and income can prove the borrower's ability to repay.

2. Good credit

Personal credit report (also known as personal credit report) records information such as personal debt repayment, contract performance, compliance with laws and regulations, etc. It is a reflection of personal credit history. Objective records. Lending institutions can use this information to understand the borrower's income ability, repayment ability and the stability of personal funds.

3. Age must meet the application requirements

To apply for a China Post Consumer Finance Loan, you must be at least 18 years old. People under the age of 18 are considered minors and do not meet the conditions for applying for a loan.

4. Pay attention to the application conditions for specific loan products

China Post Consumer Finance has many popular loan products, and different loan products have different application conditions. For example, the application conditions for a revolving loan are that you are between 18 years old (inclusive) and 60 years old (exclusive), have a stable source of income, and have good credit. The application conditions for Jisu Loan are 20 years old (inclusive) and 50 years old (inclusive), with a stable source of income and good credit. The application conditions for a homeowner's loan are that you are between 20 years old (inclusive) and 50 years old (inclusive), have a stable source of income, and have an unpaid and normal mortgage loan. The application conditions for Canada Post Loan are that you are between 18 years old (inclusive) and 40 years old (inclusive), have a college degree or above, and have good credit.

1. China Post Consumer Finance Co., Ltd. is controlled and established by China Postal Savings Bank Co., Ltd., with diversified equity, covering various economic components such as state-owned capital, foreign capital and private capital. Other shareholders are: DBS Bank Limited, Guangdong Sanzheng Group Co., Ltd., Bohai International Trust Co., Ltd., Guangzhou Guangbai Co., Ltd., Lakala Network Technology Co., Ltd. and Guangdong Haiyin Group Co., Ltd.

2. Youdai" is one of the three major loan products of China Post Consumer Finance. It is an unsecured loan with a limit of up to 200,000 and a maximum term of 48 months. Recently, China Post Consumer Finance has been exposed All offline channels have suspended the acceptance of ordinary "Postal Loans" business, and a four-month risk investigation activity has been launched. China Post Consumer Finance has joined hands with the National Gallery to create the "European Masters Interactive Experience Hall"

3. China Post Consumer Finance Co., Ltd. was established on November 19, 2015. The legal representative is Lin Maoxin. The company’s business scope includes: accepting deposits from shareholders’ domestic subsidiaries and domestic shareholders (limited to consumer finance companies). Limited to consumer finance companies); issuance of financial bonds with approval (limited to consumer finance companies); domestic inter-bank lending (limited to consumer finance companies); consulting and agency business related to consumer finance (limited to consumer finance companies); agency sales Insurance products related to consumer loans (limited to consumer finance companies); fixed income securities investment business (limited to consumer finance companies); (projects that require approval according to law can only be carried out after approval by relevant departments), etc.

4. China Post Consumer Finance Company is a national financial institution initiated by China Postal Savings Bank. It was established and opened in Guangzhou in November 2015. Will changing the login mobile number of China Post Wallet affect the limit?

No.

If you want to change your personal name, ID number, gender, professional unit, emergency contact, residential address, marital status and other information, please contact China Post Consumer Finance’s online customer service. Consult the changes, there will be no impact.

The maximum amount and interest that can be applied for the owner loan, quick loan, revolving loan and Youke loan in the China Post Wallet are 200,000. How are the number of installments, installments and repayment plans calculated?

China Post Wallet is a loan platform under China Post Consumer Finance, which is divided into three products: Younihua, Youyoudai, and Youniou. .

China Post Wallet is a purely online loan product that can be borrowed and repaid at any time. The maximum amount can be approved is 20W, and the interest rate can be as low as 0.045. Compared with similar products, this is The interest rate and credit limit are quite good.

China Post Consumer Finance has a banking background. It is conceivable that China Post Wallet is subject to credit reporting. Please be careful not to overdue it to avoid credit reporting.

If you have capital turnover needs, it is recommended that you use Youqianhua. Youqianhua is a credit service brand under Duxiaoman Financial (original name: Baidu Youqianhua, changed its name to "Youqianhua" in June 2018 "), big brands are reliable with low interest rates and are trustworthy. Have money to spend - Manyidai, the maximum loan amount is 200,000, and the daily interest rate is as low as 0.02.

Click to measure the amount online

It has the advantages of simple application, low interest rate and fast loan, Features include flexible borrowing and repayment, transparent interest rates, and strong security.

Share with you the application conditions for Youqianhua: The application conditions for Youqianhua are mainly divided into two parts: age requirements and document requirements. 1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to college students. If you are a college student, please give up the application. 2. Document requirements: During the application process, you need to provide your second-generation ID card and personal debit card. Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply. Online loans are risky, so be careful when choosing!

If you have capital turnover needs, it is recommended that you use Youqianhua. Youqianhua is a credit service brand under Duxiaoman Financial (original name: Baidu Youqianhua, changed its name to "Youqianhua" in June 2018 "), big brands are reliable with low interest rates and are trustworthy. Have money to spend - Manyidai, the maximum loan amount is 200,000, and the daily interest rate is as low as 0.02.