The national debt pledge loan refers to the loan business issued by China Postal Savings Bank to the borrower with the unexpired stock debt held in the Postal Savings Bank or secured by the debt.

Applicable object

/kloc-a natural person aged 0/8-60 with full capacity for civil conduct.

loan limit

The maximum amount of a single loan is 5 million yuan, and it shall not exceed 90% of the sum of the pledged balances of all pledged treasury bonds.

deadline

1 month to1February, in months; The maturity date of the loan should be more than 40 days before the earliest maturity date of the national debt.

loan rate

According to the benchmark interest rate of commercial loans of the People's Bank of China, it will float appropriately.

Repayment method

One-time repayment of principal and interest: one-time repayment of loan principal and interest at maturity.

Loan guarantee letter

Customers can use their own national debt as collateral.

Processing channel

Customers can handle it at the branches of the Postal Savings Bank within the jurisdiction of the province, autonomous region or municipality directly under the Central Government where the national debt purchase outlets are located.

Processing time limit

Fast, you can withdraw money on the same day at the earliest. For details, please consult the local branch of Postal Savings Bank.

Treatment process

Submit an application → approve it → sign a contract → lend money.

Application material

1. Examination and approval form for application for national debt pledge loan;

2. Original and photocopy of the customer's valid identity certificate;

3. Original and photocopy of real-name registration system passbook or green card added when opening a wealth management trading account at the Postal Savings Bank;

4. Other materials required for handling loans.

skill

The above contents are for reference only.