1. Open the phone and click to enter "WeChat".
2. After entering WeChat, click the "plus sign" in the upper right corner and click "Add Friend".
3. As shown in the figure, open "WeChat official account", search "China Postal Savings Bank" and enter.
4. After searching, click "Follow the official account of WeChat" to enter.
5. After entering the official WeChat account, click "Personal Loan Application" in "Postal Savings Finance" below to enter.
6. After entering "Personal Loan", click "Apply Now" according to the loan type you choose, such as "Apply" or "Personal Automobile Consumption Loan".
7. As shown in the figure, click "Apply Now", fill in the information truthfully, and complete the loan after approval.
Second, what about personal small consumer loans for postal savings?
Introduction: Postal savings business is a loan product for farmers and merchants (small business owners) launched by China Postal Savings Bank. Farmers are short-term loans issued to farmers to meet their agricultural planting, breeding or production and operation needs. Businessmen refer to loans granted by private entrepreneurs (including sole proprietorships, partnership partners and individual shareholders of limited liability companies). ), individual industrial and commercial households, urban self-employed households and other small business owners engaged in production and trade in urban and rural areas to meet their production and operation capital needs. Business Type ◆ Farmers' Joint Guarantee Loan: It means that 3 to 5 farmers form a joint guarantee team and can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each household is temporarily 50,000 yuan. ◆ Farmers' guaranteed loan: refers to farmers. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 50,000 yuan. Merchant joint guarantee loan: refers to a joint guarantee team composed of three individual industrial and commercial households with business licenses or owners of sole proprietorship enterprises, who can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). ◆ Merchant-guaranteed loan: refers to individual industrial and commercial households or sole proprietors with business licenses. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as their loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). For the process, the borrower only needs to form a joint guarantee team or find a guarantor and bring his ID card. If a merchant needs to carry a business license, he/she shall apply to the opened outlets and accept the investigation and approval. You can get a loan after signing the contract, and the loan period is within 3 days at the earliest (after signing the contract). The shortest term is 1 month and the longest term is 12 months. Loan customers can choose the loan term independently according to their own production and operation cycle and repayment ability. For the joint guarantee loan, the term of the joint guarantee loan agreement is 2 years, and the application date and maturity date of the loan must be within the validity period of the joint guarantee agreement. Materials (1), 1, the original and photocopy of the borrower's valid identity document (2), the borrower's local permanent residence or proof of having lived in the local area for one year. (3) Customers applying for merchant loans must provide business licenses that have passed the annual inspection. Engaged in licensed business, it shall provide the original and photocopy of the business license of the relevant administrative department. (4), the borrower engaged in production and business activities, must provide proof of property rights of the business premises or lease contract (5), involving the guarantee of natural persons, should submit the original and photocopy of the guarantor's ID card, proof of work unit or income, and the guarantor's written commitment to provide guarantee (the current products do not need to be issued, just sign a joint guarantee agreement and a guarantee contract); Where mortgage or pledge is involved, it is necessary to provide the ownership certificate of mortgage or pledge right and the written certificate that the authorized person agrees to mortgage (pledge). (6) If the business license has been applied for less than three months, but it has been in normal operation for more than three months, and the operation is in good condition, relevant purchase and sale certificates shall be submitted. (7) Other materials required by the lender. Repayment method ◆ One-time repayment method of principal and interest ◆ Equal repayment method of principal and interest ◆ Installment repayment method (only interest will be repaid during the grace period, and the loan will be repaid by equal repayment of principal and interest after the grace period). Remarks: Before the maturity date of the loan principal and interest, the borrower needs to deposit enough funds in the postal savings account where the loan is issued, which will be deducted automatically by the computer system.
Three, how to handle the postal savings bank business
Loan terms. China citizens with full capacity for civil conduct who have a fixed residence in China, or a fixed residence (or valid residence certificate) in a local town, or a fixed business place; Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on time; There is no bad credit record, and the loan cannot be used for house purchase, stock trading, gambling and other acts; \ As long as the personal application conditions of the bank are met, and the ID card, proof of stable address and proof of stable income source are provided, this business can be handled. \ Application materials and personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials; Provide stable proof of address, house lease contract, water and electricity bills, property management and other related certificates; Provide stable proof of income source, bank flow sheet, labor contract, etc. \ \ Specific steps. The borrower shall apply to the branch opened by the bank. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license. After receiving the lender's application, the bank will examine the lender. After passing the examination and approval by the bank, sign a loan contract with the bank. The bank made a loan, and the lender got the loan smoothly. \ The above four steps are the general process of banks. Different banks may have slightly different regulations and submit different materials. In order to avoid loan risks, some banks will require borrowers to meet certain conditions, such as age, income level and repayment ability.
4. What's the interest rate of personal small consumer loan bank of Postal Savings Bank?
At present, the Postal Savings Bank has not yet opened a personal small consumer loan, but today