Personal credit consumption loan of Postal Savings Bank is a RMB loan for consumption issued by Postal Savings Bank to natural persons by credit under revolving credit. Loan products have the following seven characteristics: 1. Purpose of the loan: it can be used for the borrower and his parents, spouse, children and spouse's parents to buy their own cars and parking spaces, pay for house decoration, pay tuition and fees for higher education and other legitimate consumption expenses; 2. Unsecured and unsecured; 3. Loan amount: up to 6,543.8+0,000 yuan; 4. Loan term: no more than 3 years; 5. Approval speed: the loan can be approved within three working days; 6. Convenient loan withdrawal and repayment: "One application, revolving credit line", that is, multiple loans can be withdrawn and recycled within the credit line. After opening the "online loan link", you can directly withdraw loans from personal online banking, saving the trouble of running a bank; 7. Repayment method: If the loan term is less than 1 year and the amount is less than 300,000 yuan, you can choose a one-time repayment method with monthly interest; If the loan term is more than one year, you can choose the repayment method of equal principal and interest or equal principal repayment. Through the introduction, I believe that everyone has a certain understanding of the characteristics of personal credit consumption loans of Postal Savings Bank, and I hope that the introduction can bring some help to everyone.
2. Can I get a loan from the Postal Bank? How long will it take to get the money?
Hello, the farmers of the Postal Savings Bank are loans for rural planting, breeding and other production and business purposes. The borrower must be married, family members, aged between 18-60, have a local household registration or have lived in the local area for more than one year, and have been planted for more than one year, and have 1 or two natural person guarantees. The guarantor is required to be a national civil servant, teacher, doctor, or 3 to 5 people. Postal merchants and micro-enterprise owners are required to have business licenses, have been operating normally for more than half a year, are between the ages of 18-60, have local household registration or have lived in the local area for more than one year, and need to provide 1 or two natural persons for guarantee. The guarantor is required to be a national civil servant, teacher, doctor and other families with stable income. If all the conditions are met, the loan will be operated for more than one year, and the property will be mortgaged at the same time; Personal comprehensive consumer loans all (total) housing mortgage loans; Personal housing loan: purchased by the borrower, the housing age does not exceed the fixed number of years stipulated by the local postal savings bank, and can be mortgaged in the local housing management department; Personal commercial housing loan: secured by the purchased house mortgage; Please check the lending time with the loan officer of the local Postal Savings Bank; I hope my answer is helpful to you.
3. Can the Postal Savings Bank borrow 20,000 yuan for card consumption?
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4. Is the postal preferential loan interest rate cost-effective?
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Interest rate range: 5.2% for one year, with the lowest discount of 4.5%.
You Xiang Loan refers to the personal RMB consumption loan issued by China Postal Savings Bank to natural persons for various legitimate consumption purposes, and shall not be used for housing purchase, production and operation, equity investment or other purposes prohibited or restricted by laws and regulations.