1. Can Postal Bank borrow money?

Online banking is a virtual bank counter and cannot borrow money.

2. Can the Postal Savings Bank lend money?

Yes, Postal Bank has many credit loans. One of them, which is suitable for office workers, is the postal loan-Xinke Exclusive. It is an unsecured loan with the highest limit based on the borrower’s personal credit. 200,000 yuan, open to applications for current employees aged 22-60 who have been employed for three months or more.

In addition to meeting the basic requirements, borrowers must have good credit and not default on various loans before applying for Postal Bank Loan-Xinke Exclusive. They can apply through Postal Bank Mobile Banking, WeChat Bank, and Postal E-Loan APP Apply for this credit loan online through other channels.

3. Can the Postal Savings Bank of China provide loans during the Chinese New Year?

Yes. Postal Bank is a joint-stock commercial bank. Postal Bank started the postal savings business in 1919. In March 2007, the original postal savings management system was reformed. Postal Savings Bank of China Co., Ltd. was officially listed. Bank loans are available until the 20th of the twelfth lunar month. You and I will not grant mortgage-type loans, but you can still grant credit loans, and you can get loans during the Chinese New Year. A simple and popular understanding of a loan is borrowing money that requires interest. A loan is a form of credit activity in which a bank or other financial institution lends monetary funds according to a certain interest rate and must be returned.

4. Can I borrow money from the China Postal Savings Bank card?

There are two types of China Postal Savings Bank cards, one is a savings card, and the other is a debit card or a credit card. You cannot overdraw or borrow money on a savings card. A debit card or a credit card cannot be used to borrow money. Credit card is acceptable.