1. How to apply for a postal savings loan?

The target group includes farmers and merchants. No mortgage is required, and the loan can be released within 3 days at the earliest after review.

Propose Application--Submit materials--Loan investigation--Approved quota--Guarantee implementation--Limit effective--Flexible borrowing---Loan issuance--This is the loan processing process

Applicant conditions are all types of private business owners, individual industrial and commercial households and urban self-employed individuals who have been approved and registered by the industrial and commercial administration department and have fixed production and operation sites and can have credit.

The maximum number of applicants can be one time For a loan of 100,000 yuan, if merchants can jointly guarantee it, three households with the same conditions can be jointly insured at the same time, and the maximum loan can be 300,000 yuan.

Note: You can also use your own property as a mortgage guarantee, with a maximum loan limit of 300,000 yuan. Loans of RMB 1 million are available, with no assessment fee, revolving quota, and easy to use.

Postal Savings Bank Tianjin Hexi District Branch

Telephone number: 23379710.13516151616

II. How to get a Postal Savings Loan

1. Prepare relevant personal information, including ID card, household register, income certificate, bank card statement, etc.;

2. Go to the Postal Bank counter to fill it out Loan application form, submit the above information to the bank counter to apply for loan business;

3. The bank will inquire the borrower's credit information. After the credit information system shows that it is good, the bank will approve the loan amount and period. ;

4. After the bank approves the loan, it will issue a loan and loan repayment details, and the borrower will repay the loan on time according to the details until it is paid off.

If you want to know the progress of Postal Bank loan application, you can inquire through the following methods:

1. Telephone inquiry: Call the Postal Bank customer service hotline and inform your identity and loan information. Contact the manual or self-service voice system for query;

2. Official website or APP query: enter the account information, enter the loan progress query column, and click on the application progress query;

3. You can also go to Manual counter inquiry.

1. Prepare relevant personal information, including ID card, household register, income certificate, bank card statement, etc.;

2. Go to the Postal Bank counter to fill out the loan application form and submit it The above information should be submitted to the bank counter to apply for loan business;

3. The bank will inquire the borrower's credit information. After the credit information system shows that it is in good condition, the bank will approve the loan amount and period;

4. After approval, the bank will issue a loan and loan repayment details, and the borrower will repay the loan on time according to the details until it is paid off.

If you want to know the progress of Postal Bank loan application, you can inquire through the following methods:

1. Telephone inquiry: Call the Postal Bank customer service hotline and inform your identity and loan information. Contact the manual or self-service voice system for query;

2. Official website or APP query: enter the account information, enter the loan progress query column, and click on the application progress query;

3. You can also go to Manual counter inquiry.

3. What procedures are required for Postal Bank loans in 2021?

Postal Bank loans in 2021 require application, copies of the couple’s ID cards, loan contract, etc.

4. How to apply for a Postal Savings Bank loan? What documents are required?

Quota-type personal business loans

Quota-type personal business loans refer to those issued by Postal Savings Bank to borrowers for their legitimate production and business purposes.

Applicable objects:

Natural persons aged 18-65 with full capacity for civil conduct;

Sole proprietors and individual business owners operating in industrial and commercial administrative places Owner, partnership owner or individual shareholder of a limited company.

Loan amount

The loan amount can reach up to RMB 5 million;

The maximum amount of revolving credit is implemented, and you can borrow and repay anytime within the limit.

Loan period:

The maximum revolving credit period is 5 years. During the revolving credit period, if the business activities are normal and the use of funds meets the conditions of the lending bank, the maximum number of times can be 5 years. Year.

Loans

Commercial loans from the People’s Bank of China are appropriately floated.

Repayment

1. Equal principal and interest

The amount of the loan is used to repay the principal and interest of the loan.

2. Stage

The loan will not repay the principal within a certain grace period. After the grace period, the loan will be repaid according to the equal principal and interest repayment method. The loan will be repaid when the principal and interest are due. 4. Press Interest is paid monthly (quarterly), and loan interest is repaid monthly (quarterly) once upon maturity, and the loan is paid in cash. Loan guarantee:

Mainly used real estate as mortgage guarantee, including personal housing and commercial housing, machinery and equipment, forest rights and other collateral recognized by the Postal Savings Bank.

Application channels:

You can apply at the Postal Savings Bank of China, which provides loan services, or log in to online banking to apply online.

Processing time limit:

The approval opinion will be issued within 7 working days at the earliest. For details, please consult the local postal savings branch.

Processing process:

Propose the approval→Sign the contract→Implement the guarantee conditions→Amount takes effect→Withdraw funds

Application materials:

Application Materials required for quota-type personal business loans:

1. Personal business loan quota application form;

2. Original and photocopy of valid IDs of the borrower and his spouse

3. The borrower’s household registration booklet and proof of residence for one year;

4. Legal production and operation procedures. For example: the original business license and tax registration certificate that have passed the annual inspection; the original and copy of the business license for special departments; if it is a limited liability company or partnership, you also need to provide the organization code certificate, the original and copy of the company's articles of association; 5. Proof of property rights of the business premises (or lease contract, agreement) 6. If a real estate mortgage is involved, the originals of the real estate certificate, land use right certificate, *** ownership certificate, mortgagor and allocator must be provided

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7. Apply for a loan

Service features:

Apply once and get the credit limit. As long as the credit is approved once, you can apply within the limit

Withdraw money at any time and the procedure is simple: During the credit period, when you need financial support for production and operation, you only need to fill out the loan payment form at the handling outlet to get the loan conveniently and quickly

The collateral is wide, and the loan amount is up to 5 million yuan, including three people's houses, commercial buildings and other properties, as well as machinery and forest rights, which can effectively alleviate the customer's financial needs.

Warm reminder:

Whether you can apply for a loan through the Postal Savings Bank, as well as the loan amount, term, interest rate and repayment method you can obtain, will be comprehensively determined by the Postal Savings Bank based on your credit status.

Non-limit personal business loans

Non-limit personal business loans refer to short-term operating loans with local characteristics issued by Postal Savings Bank to borrowers.

Applicable. Target:

Natural persons aged 18-65 years old with full capacity for civil conduct;

Sole proprietors and business owners who have been approved and registered by the industrial and commercial administration department and have a fixed production and business site. Individual business owners, partnership owners or individual shareholders of limited companies

Loan amount: 10,000 yuan to 5 million yuan (please consult the local Postal Savings Bank branch). /p>

Loan term:

1 to 60 months, in units of months;

You can choose the loan term independently according to the production and operation cycle, repayment ability, etc. .

Loan interest rate:

Floating appropriately based on the commercial loan benchmark interest rate of the People's Bank of China.

Repayment method:

1. Equal principal and interest

Repay the loan principal and interest in equal amounts every month/quarter during the loan period

2. Phased equal principal and interest

The loan has a certain grace period. Within the grace period, only the loan interest will be repaid and the principal will not be returned. After the grace period, the loan will be repaid according to the equal principal and interest repayment method.

3. One-time repayment of principal and interest

One-time payment of principal and interest upon maturity. Repay the principal and interest of the loan.

4. Pay interest on a monthly (quarterly) basis and repay the principal once upon maturity

Repay the loan interest on a monthly (quarterly) basis during the loan term when the loan matures. The loan principal can be repaid in one go at any time.

Loan guarantee:

The professional market leasing rights (or operating rights, use rights), fishing boats, etc. that have been signed with our bank can be used. Forest rights, transport ships, sea area use rights, warehouse receipts, etc. are used as guarantees;

Note: The scope of collateral for non-limit personal business loans is gradually being expanded. For details, please consult the local postal savings branch.

Applying channels:

You can apply at the local Postal Savings Bank that provides non-limit personal business loan services or log in to online banking to apply online.

Warm reminder:

Whether you can apply for a loan through the Postal Savings Bank of China, as well as the loan amount, term, interest rate and repayment method you can obtain, will be determined by the Postal Savings Bank of China based on your credit status. Comprehensive decision.

If there are any changes to the above content, please consult the local postal savings branch or call the customer service hotline 95580.

Personal commercial vehicle mortgage loan

Personal commercial vehicle mortgage loan refers to a RMB guaranteed loan issued by our bank to qualified natural persons for the purpose of purchasing first-hand commercial vehicles. .

Applicable objects:

Chinese citizens aged between 25 years old (inclusive) and 55 years old (inclusive), with full capacity for civil conduct;

Have More than two years of independent experience in vehicle transportation or engineering construction; already own more than one commercial vehicle when applying. Loan amount:

10,000 yuan to 5 million yuan (please consult the local Postal Savings Bank branch for details).

Loan period:

1 to 36 months, in monthly units;

You can choose the loan independently according to the production and operation cycle, repayment ability, etc. the term.

Loan interest rate:

Float appropriately based on the commercial loan benchmark interest rate of the People's Bank of China. Repayment method:

1. Equal amounts of principal and interest

Repay the principal and interest of the loan in equal amounts every month during the loan period.

2. Phased equal principal and interest payments

During a certain grace period, only the loan interest will be repaid but not the principal. After the grace period, the loan will be repaid according to the equal principal and interest repayment method.

Loan guarantee:

Operational vehicle mortgage loans should be secured by the purchased vehicles and construction machinery to provide guarantee for the loan.

Application channels: You can apply at the local Postal Savings Bank branch that provides personal commercial vehicle mortgage loan services or log in to online banking to apply online.

Warm reminder:

Whether you can apply for a loan through the Postal Savings Bank, as well as the loan amount, term, interest rate and repayment method you can obtain, will be comprehensively determined by the Postal Savings Bank based on your credit status. Decide.