The Postal Savings Bank loan has been approved, and it can be released within 2 working days at the earliest. Because all the work from the loan to the loan is not done by the bank independently, there is no time limit for the loan, but there is an agreement to approve the validity of the contract. Generally, the relevant procedures have not been completed for more than 3 months, and it is necessary to re-submit the information to the bank for re-approval.
Postal savings bank loans only need borrowers to form a joint guarantee team or find a guarantor (official employees of state enterprises and institutions), and carry ID cards, household registration books and marriage certificates of both borrowers (unmarried proof materials are required). If you are unmarried, you need to bring your business license, tax registration certificate and store lease contract, and apply to the established outlets together, and they will be approved. After signing the contract, they can get a loan. Extended data:
The repayment method is 1, and the principal and interest are paid in one lump sum. One-time repayment of principal and interest means that the borrower does not repay the principal and interest on a monthly basis during the loan period, but repays the principal and interest at one time after the loan expires, also known as one-time repayment of principal and interest at maturity.
One-time repayment of principal and interest is suitable for short-term borrowing.
2. Equal principal and interest repayment method. Matching principal and interest repayment method is to add up the total principal and interest of mortgage loans and then distribute them evenly to each month of repayment period. The monthly repayment amount is fixed, but the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month.
2. Repayment by installment (only interest will be repaid during the grace period, and the loan will be repaid by equal principal and interest repayment after the grace period).
3. 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, and the computer system will automatically deduct it.
2. How long does it take for the Postal Savings Bank to approve the loan to buy a house?
Generally, it takes about a week for the Postal Savings Bank to complete the approval of buying a house with a loan. Generally, after the borrower submits the loan application materials, the staff of the Postal Savings Bank need to verify and check the application materials one by one, and notify the borrower in time if they do not meet the requirements. After approval, the borrower needs to go through the mortgage registration formalities in the business hall of Postal Savings Bank. After mortgage registration, the Postal Savings Bank will issue a mortgage certificate, then sign a contract with the borrower, and finally lend money to the borrower.
3. How long should the postal savings loan be audited?
According to the postal examination and approval, the fastest time is really three days. As for the fact that it has not been approved yet, there is only one reason, that is, your approval has not passed. As for why it didn't pass, it may be that the information you submitted is insufficient. Of course, there is another reason, they may find a third party. For example, if your postal loan is not approved for any reason, the postal service will not give you any notice. If you work in many places, such as Ping 'an, China, a group company has an unsecured loan department, but the quota is 1- 15W, and the materials submitted are simple and the approval time is fast, but it depends on whether it can meet your quota requirements.
Four, the postal examination and approval of loans for a few days
Aijian. com: Pro-mail mortgage loans should be the slowest, and lending is also the slowest and most demanding! The most uncertain audit will be last month. You can go to other banks.
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