Postal mortgage loans need to meet the following conditions:

1. Applicant 18-60 years old or above, with full capacity for civil conduct.

Two, the applicant has a stable job and income, and has the ability to repay the principal and interest of the loan on time. When handling the loan, it is necessary to provide proof of work and qualified bank flow.

Three, the applicant has lived in the local loan for more than one year, and can provide local household registration certificate or long-term residence certificate.

4. The applicant's personal credit status is good, and there are no bad repayment records such as overdue.

5. The applicant can provide mortgaged property, and the age of the mortgaged property cannot exceed 15 years.

After meeting the above conditions, the borrower can bring relevant materials to the counter of the Postal Savings Bank to apply for a mortgage loan. The minimum loan amount of the mortgage loan of Postal Savings Bank is 6,543,800+and the maximum loan amount is 6,543,800+. The specific loan amount is determined by the assessed value of the collateral. The loan period is at least one month and at most five years, and there is no penalty for prepayment.

2. What are the conditions for the mortgage loan of postal real estate license?

Conditions for mortgage loan of real estate license of Postal Savings Bank:

1, age 18 to 60 years old, with full citizenship.

2. Have a local hukou or have lived in the local area for one year, and have a business license and tax registration certificate that have passed the annual inspection in accordance with industrial policies or laws and regulations;

3. inside;

4. Mortgaged property shall meet the following conditions: the age of the locally owned property shall not exceed 15.

3. What are the conditions for the post bank mortgage loan?

Loan conditions of mortgage loan:

Have a legal status;

Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;

There is a legal and effective purchase contract;

If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;

Being able to provide effective guarantee recognized by the loan bank;

Other conditions stipulated by the lending bank.

4. What are the terms of postal personal credit loan?

Without guarantee and mortgage, you can't borrow money from the Postal Savings Bank.

Postal savings bank loans are mainly mortgaged by real estate, including personal housing and commercial housing, as well as other collateral required by the Postal Savings Bank.

Postal savings bank loan needs:

1, 18-60 years old, a natural person with full capacity for civil conduct.

2. A sole proprietorship enterprise, individual industrial and commercial household, partnership enterprise owner or individual shareholder of a limited company that has been approved and registered by the administrative department for industry and commerce and has a fixed place of production and operation.

3. There is collateral.

Extended data:

Advantages of postal savings bank loan:

1. Optimization of repayment method (paying interest on a monthly basis and repaying the principal when due).

2. The use of the loan is not limited.

3. The loan amount is large, the next payment time is fast and the process is short.

4. You can repay the loan in advance without penalty interest.

5. The loan period is long and the procedures are quick and simple.

Whether it is successful or not, the bank itself does not charge any fees.