Postal savings bank has a large scale and many businesses. For example, they can provide various loan products in the credit business. Some online credit loans do not need mortgage guarantee, which is suitable for office workers without assets. Some people will ask the Postal Savings Bank how to borrow online credit loans. Let me give you a brief introduction.

How to borrow online credit loans from Postal Savings Bank? 1. The lender must first confirm whether he meets the loan conditions. There are several points: he is a customer of the Postal Savings Bank, not a blacklisted customer; At least 18~60 years old, with full capacity for civil conduct; There are no overdue loans or credit cards in its name; Received the loan invitation information from the bank. And other bank regulations. 2. Lenders who meet the requirements for applying for loans can submit loan applications through postal savings bank, mobile banking, WeChat bank and other channels within 1 month after receiving the SMS. After receiving the application, the bank will examine and approve it. After passing, the two parties will sign a loan contract, and then the bank will transfer the money to the bank card provided by the lender, and the lender will repay the loan on time. In short, the online credit loan process of Postal Savings Bank is relatively simple, but the loan risk will be relatively high because there is no need for mortgage guarantee. If the lender wants to win the loan smoothly, it is best to maintain a good credit record and have a stable repayment ability, which can not only ensure a stable working income, but also ensure that the personal debt ratio is not too high. In addition, the lender can make more contributions to the bank before the loan, such as buying wealth management products at the Postal Savings Bank or depositing a relatively large time deposit. In this way, we can better show our economic strength, gain the trust of banks more easily, and the loan pass rate will be relatively high. The above is the relevant introduction of "How to borrow online credit loans from Postal Savings Bank", hoping to help everyone.

2. What about the credit loan of Postal Savings Bank?

Not bad!

1. Postal savings loan is a loan product for personal daily consumption by postal customers at present. The biggest feature of this product is to actively grant credit to high-quality customers without mortgage and guarantee, and the loan amount is mainly determined according to everyone's salary income. According to playing cards with oranges, the application amount is about 90% of your annual income, but the maximum application amount provided to you at present is not more than 300,000 yuan.

2. Postal loan is an online loan product belonging to Postal Savings Bank, which can be handled through online banking or mobile banking. The loan term should be planned in advance.

3 customers who enjoy the main salary of postal loans are mainly used for personal daily consumption. The biggest feature is also the limitation, that is, automatic credit granting is only for high-quality customers, without mortgage and guarantee, and the loan amount is mainly adjusted according to personal salary income. (High-quality credit information, or good credit in the postal service, and considerable salary or deposit, all of the above can be satisfied. )

4. Loan interest:

The loan interest rate is the highest with reference to 20 19.

(1) Short-term loan: within one year (including one year), with annual interest rate of 4.35%;

(2) Medium-and long-term loans: one to five years (including five years), with an annual interest rate of 4.75%; For more than five years, the annual interest rate is 4.90%;

(3) Personal provident fund loan: less than five years (including five years) and more than five years, with an annual interest rate of 3.25%. (The central bank's loan interest is only a minimum standard. It is estimated that it will only be available when it is big, and it will rise according to the amount and duration of the loan. When applying for a postal savings loan, you can calculate the approximate amount at the Postal Savings Bank or consult the service hotline of the Postal Savings Bank. )

How to operate if you want to repay in advance?

1. Most applications for loans are only for temporary needs. Once they have money, they want to pay it back, but the old irons also know that some of them don't support prepayment.

2. If Laotie wants to repay the loan in advance, then it is necessary to know whether your loan contract is stated, and if there is an agreement, it will be implemented according to the agreement.

3, or your loan center, find out whether the loan you handle can be repaid in advance. If it is clearly stated that repayment can be made in advance, then you can bring relevant information for prepayment.

Another thing to note is that you are making sure that most postal savings banks need to make an appointment in advance to ensure the orderly operation of their business. Then fill in and submit relevant information and documents. The whole process is relatively simple. You just need to deposit the money in the bank, and the bank will automatically deduct it!

3. how to go through the formalities of e-loan?

The applicant for postal electronic credit should be a customer who has obtained the credit of personal business line of postal bank. Only when I hold my own card and ID card and open the online banking loan function at the counter can I apply for a loan. Eligible customers can apply for self-service withdrawal and payment within the agreed conditions, and the system can automatically lend and pay after the application is successful.

Extended answer:

E-loan of Postal Savings Bank is a self-service business in which customers obtain personal business line credit from Postal Savings Bank, and issue, pay and repay loans through electronic banking of Postal Savings Bank (including online banking, mobile banking and PAD bank, the same below) under agreed conditions. Applicable to customers who have obtained personal business line credit in Postal Savings Bank.

E-Express Loan of Postal Savings Bank is a service that customers use personal online banking or mobile banking of Postal Savings Bank to handle loan withdrawal, prepayment, loan details inquiry and online loan application. Customers can withdraw money from online banking and mobile banking at any time according to their capital requirements, without review, and the system can lend money in real time, the fastest 1 minute.

Personal business "e-loan" business is a new business launched by Postal Savings Bank in August this year 19 for its personal business customers. Eligible customers can apply for self-service withdrawal and payment within the agreed conditions. After the application is successful, the system can automatically lend money and pay, which greatly facilitates the use of customers' funds and improves the efficiency and quality of customer service.

Fourth, how to borrow postal loans now?

Hello, the merchants of China Postal Savings Bank are used for the business and turnover of merchants and Wechat business owners. The borrower must have a business license, have been in normal operation for more than one year, be aged between 18-60, have a local household registration or live in the local area for more than one year, and need to provide 1 to two natural persons for guarantee. Guarantors are required to be civil servants, teachers, doctors and other groups with stable income.