Postal support for tobacco loans has not been repaid in this year's disaster, and it is impossible to cancel the contract. Unable to repay the debt, you can contact the bank to explain your specific situation, apply for an extension of the repayment period, or borrow money from relatives and friends to pay off the debt.
If you really can't repay, the personal credit report will leave an overdue record, which will have a certain impact on your personal life in the future, but generally you won't go to jail.
2. Does the Postal Savings Bank still have the principal when it encounters natural disasters?
not have
3. What should I do if the postal savings loan expires?
How to apply for extension when the loan expires? The first one is for reaction. First prepare and bring your ID card and loan contract, then go to the business hall of the lending institution, and then submit an application for deferred repayment to the staff. Finally, with the help of the staff, the application for customer service telephone number is completed. First, call the customer service phone of the lending institution, then connect the phone, connect the manual service according to the prompt, then apply to the staff for deferred repayment, and finally provide the ID number and loan contract number. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Loan target: China citizens aged 18 to 60 with full capacity for civil conduct. Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating. If necessary, Du Xiaoman was originally a small loan product under Baidu Finance, holding a financial license issued by the China Banking Regulatory Commission, and it also has many credit products, such as Qianhua and Quanyi Loan. Among them, the daily interest rate of Iman loan is at least 0.02%, which supports all-weather online operation, and the maximum loanable amount of a small loan is 200,000 yuan. As long as there is no major problem with personal credit information, users can apply for thousands to tens of thousands of quotas.