1. Postal loan is a loan product used by Postal Bank for personal daily consumption for customers whose salaries are paid by Postal Bank at present. The biggest feature of this product is to actively grant credit to high-quality customers without mortgage and guarantee, and the loan amount is mainly determined according to everyone's salary income. According to playing cards and oranges, the amount that each person can apply for is about 90% of his annual income, but at present, the maximum amount of application provided to each person does not exceed 300,000 yuan.

2. Postal loan is an online loan product belonging to Postal Savings Bank. You don't need to go to the local outlets. You can do it through online banking or mobile banking. The longest loan period is 2 years, so we should plan the repayment funds in advance.

3. Postal savings loans mainly serve customers who pay by post, mainly for personal daily consumption. The biggest feature is also the limitation, that is, automatic credit granting is only for high-quality customers, without mortgage and guarantee, and the loan amount is mainly adjusted according to personal salary income. The judgment of a good customer depends on your own credit, or your credit in the postal service, and the amount of salary or deposit is considerable. You can satisfy one of the above. )

4. Loan interest:

The loan interest rate refers to the latest central bank loan benchmark interest rate of 20 19.

(1) Short-term loan: within one year (including one year), with annual interest rate of 4.35%;

(2) Medium-and long-term loans: one to five years (including five years), with an annual interest rate of 4.75%; For more than five years, the annual interest rate is 4.90%;

(3) Personal provident fund loans: less than five years (including five years), with an annual interest rate of 2.75%; For more than five years, the annual interest rate is 3.25%. (The central bank's loan interest is only a minimum standard. Basically, it is estimated that there will be a large amount, and the postal savings loan will also rise according to the amount and duration of the loan. When applying for a postal savings loan, you can calculate the approximate amount at the Postal Savings Bank or consult the service hotline of the Postal Savings Bank. )

How to operate if you want to repay in advance?

1. Most applications for loans are only for temporary needs. Once they have money, they want to pay it back, but the old irons also know that some of them don't support prepayment.

2. Like the postal savings loan mentioned today, if an old railway wants to repay in advance, it is necessary to know whether there is an agreement in your loan contract to advance the loan. If there is an agreement, it shall be implemented according to the agreement.

Or you can call the credit center of the loan bank to find out whether the loan you handle can be repaid in advance. If it is clearly stated that you can repay the loan in advance, you can go to the bank outlet with relevant information for prepayment.

It is also important to note that you can make an appointment after repaying in advance, because most postal savings banks need to make an appointment in advance in order to ensure the orderly development of their business. You can call in advance to make an appointment at the bank outlet for prepayment. Then fill in the prepayment application form and submit relevant information and documents. The whole process is relatively simple. You just need to deposit the money in your repayment bank card, and the bank will automatically deduct the money!