How to get a loan at Postal Bank
1. Applicants must first prepare their ID, household register, income certificate, bank card statement and other information, and go to the Postal Bank counter to fill out the loan application form. Submit the above information to the bank counter to apply for loan business.
2. The bank will inquire about the borrower’s credit information. After the credit information system shows that the loan is in good condition, the bank will approve the loan amount and period.
3. After the bank approves the loan, it will issue a loan and loan repayment details. The borrower will repay the loan on time according to the details until it is paid off.
There are many types of loans available from the Postal Savings Bank, the most common of which is small credit loans. Micro credit loans are loans for farmers, merchants and small and micro business owners for production, operation and turnover. For different loan groups, banks have different application requirements. In addition to different application conditions for different groups of people, the maximum loan amount that can be borrowed by different groups of people is also different.
For farmers, they are required to have a local household registration, be under 60 years old, and have many years of production experience in planting, breeding, etc. In addition, farmers cannot borrow alone and must have a guarantor (the guarantor must belong to a public institution or state-owned enterprise with credibility and stable income) or a joint guarantee group composed of 3 to 5 households. The maximum loan amount that farmers can receive is 50,000 yuan.
For merchants and small and micro business owners, they are required to have local registered residence, be under 60 years old, have a business license or business license, and have normal business hours for more than half a year. In addition, merchants and small and micro business owners cannot borrow alone, and must have a guarantor (the qualification requirements for guarantors are the same as those for rural households) or a joint guarantee group of three or more households. Merchants and small and micro business owners can borrow up to 100,000 yuan.
Note: 1. The most important thing for a loan is to prove to the bank that you have a stable source of income (repayment ability) and good credit. 2. Explain the purpose of the loan to the bank and do not use the loan for stock trading, gambling and other activities.
How to get an online loan from Postal Bank?
1. Open the official website of Postal Bank.
2. Click on the credit business in the personal business list.
3. Select the loan you want to apply for and click.
4. Click Loan Online Application on the loan details page.
5. Fill out the loan intention application and submit it.
6. Postal Bank reviews information related to loan intentions.
7. After passing the review, contact Postal Bank to handle the relevant loan procedures.
8. After completing the loan procedures, the loan will be successfully processed.
It should be noted that not all loan services can be applied for online. There are some loan businesses that cannot be applied for online, such as home loans and car loans. You need to go to a bank branch in person to apply for them. Applicants can contact Postal Bank in advance to learn the business details.
Extended information
The credit business of Postal Savings Bank is mainly divided into four categories, namely small and micro E-wealth creation, easy borrowing and repaying personal operating loans, Jiaxin Jiamei Personal consumption loans and corporate credit business, the following are the conditions for personal housing loans and personal automobile consumption loans.
1. Personal housing loan conditions
1. Loan age must be between 18 and 60 years old
2. Natural person with full capacity for civil conduct
< p>3. Have a stable career and income4. Good credit record
5. The maximum loan period is 30 years
6. The property needs to be mortgaged Register as a guarantee
2. Conditions for personal car consumption loans
1. Loan age must be between 18 and 60 years old
2. Working citizens with full capacity for civil conduct , foreigners or people from Hong Kong, Macao and Taiwan need to live in China for one year and have a fixed residence
3. The loan period shall not exceed 5 years
4. The loan amount shall not exceed 70% of the vehicle price
5. Good credit record
How to get a PSBC credit card loan? Just make a phone call!
Among my country's large commercial banks, the Postal Savings Bank of China has always been relatively low-key. In fact, Postal Savings Bank, like other commercial banks, can also apply for credit cards for everyone. Many people are asking how to get a Postal Savings Credit Card loan. Today I will help you solve this problem.
PSBC credit card loan products mainly include transaction installment, bill installment, merchant installment and cash installment. Here, we will take transaction installments and cash installments as examples to explain how to get a Postal Savings Credit Card loan.
Transaction Installment
Postal Savings Credit Card Transaction Installment Loan is mainly a product for installment of a single consumption bill. There are 5 application methods:
< p>(1) Call the PSBC credit card customer service hotline and handle the installment payment through manual service;(2) Log in to the PSBC mobile banking and enter the credit card installment;
(3 ) Log in to Postal Savings Bank’s personal online banking and apply for transaction installments in the credit card function bar;
(4) Send the text message “FQJY#last 4 digits#amount#issue” to 95580;
< p>(5) Follow the Postal Savings Bank WeChat official account and apply for transaction installments in "Credit Card Happy Installment".Cash Installment
Postal Savings Credit Card Cash Installment Loan can provide everyone with a cash loan of not less than 1,000 yuan, but ordinary card supplementary card, company business card, sharing card, automatic installment Card, MasterCard Single Label Card and Gold Leaf Card cannot be applied for.
You can directly apply for cash installment through the PSBC credit card customer service hotline.
The above is the introduction to how to get a Postal Savings Credit Card loan. I hope that the majority of cardholders will gain something.
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How to get a loan from Postal Savings Bank
First of all, the customer submits a loan application, and after it is accepted by the salesperson of Postal Savings Bank, the loan specialist will go to the production and business premises and family residence of the loan applicant. Conduct an on-site investigation and submit relevant materials to the review and approval personnel. After approval, you will be notified to sign a loan contract with the relevant personnel.
Extended information:
The Postal Savings Bank of China can be traced back to the postal savings business launched in 1919, which has a history of more than 100 years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Co., Ltd. was officially established. In January 2012, the company was restructured into a joint stock limited company. In December 2015, ten domestic and foreign strategic investors were introduced.
It has nearly 40,000 business outlets and serves more than 600 million individual customers. It takes advantage of the unique "self-operated agency" model to serve "agriculture, rural areas and farmers", urban and rural residents, and small and medium-sized enterprises. The Bank has excellent asset quality and significant growth potential, and is China's leading large-scale retail bank.
Adhere to serving the real economy, actively implement national strategies and support the construction of China’s modern economic system, and achieve its own sustainable development. Adhere to customer-centeredness, build a financial service system that is interconnected and integrated online and offline, and provide customers with high-quality, convenient and efficient comprehensive financial services. We adhere to the risk-based approach and continue to improve the construction of a comprehensive risk management system that is “comprehensive, full-process and all-staff”, and asset quality continues to maintain an excellent level.
The loan contract is a form of economic contract. That is, the lender will deliver the currency to the borrower for use, and the borrower will return a certain amount of currency and interest to the lender on schedule in accordance with relevant regulations, establishing an agreement on mutual rights and obligations. In order to ensure its own safety, the lender requires that the borrower's financial situation (especially its liquidity) during the validity period of the loan contract must be at least comparable to the situation when it signed the contract.
The clauses listed in the loan contract to safeguard the interests of the lender are called protective clauses (Protectivecovenant). The loan contract itself simply indicates that the lender has the legal authority to take action if the borrower breaches the terms of the contract. Otherwise, the lender will be bound by the terms of the loan it promised and will not be able to take corrective measures until the end of the contract.
The borrower should use the loan according to the agreed purpose and cannot be used for illegal purposes. The purpose of borrowing stated in the loan contract shall not violate the state's restrictions on business operations, franchise operations, and laws and administrative regulations prohibiting operations.
Can I get a loan through postal mobile banking?
Can I get a loan through mobile banking?
With the development of mobile banking, mobile banking not only allows people to handle a variety of financial services at any time and anywhere, but also greatly enriches the connotation of banking services, allowing banks to facilitate and Provide traditional and innovative services to customers in an efficient and safer way.
As a new service that combines electronic currency and mobile communications, mobile banking provides bank customers with more convenient, fast and efficient financial services. Major banks have also actively used new technologies and means such as big data and the "Internet" to launch various series of products to reduce transaction costs and extend service radius.
Extended information
With the development of technology, financial technology equipment such as mobile phones, watches, bracelet payment, QR code payment, and facial recognition are constantly updated.
Many banking services can now be handled on mobile phones. Taking loans as an example, customers do not need to go to the bank or submit various supporting documents. They only need to "scan their face" and take a photo on their mobile phone to complete the relevant identity verification work.
Currently, in addition to facial recognition technology, some banks have also comprehensively used biometrics, device fingerprints, associated networks and other technologies for cross-assisted verification to ensure the accuracy and security of online operations. .