A natural person with full capacity for civil conduct; The sum of the credit period and the borrower's age shall not exceed 65 years old; Have a stable occupation and income, and a good credit record. The handling channel can be handled at the local Postal Savings Bank, which has started the personal comprehensive consumer loan business. Issue approval opinions within 2 working days at the earliest. Please consult your local branch for details. Handling process Submit loan application → Bank approval → Sign loan contract → Implement loan guarantee conditions → Credit line takes effect → Borrower applies for disbursement → Bank issues loan → Borrower repays monthly. Application materials: valid identity certificate, marital status certificate, household registration book, occupation and income certificate, property right certificate of mortgaged property, personal settlement account (passbook) of China Postal Savings Bank; Other materials required for handling loans.
2. What about the personal consumption loan of China Postal Savings Bank?
To tell the truth, the individual of the Postal Savings Bank, to put it bluntly, is cheating on credit cards! And the credit card limit is not high, as for the announced 500 thousand
3. How to handle postal savings, what are the requirements and procedures?
Personal situation of China Postal Savings Bank:
1. Farmers require the borrower to be married, and merchants require the borrower to have a business license and operate normally for more than half a year;
2. Have full capacity for civil conduct, be in good health and have the ability of labor production and operation;
3. Family members with two jobs, aged between 18 and 60;
4. Have a local hukou or have lived in the local area for one year;
5. It is necessary to provide 1 to 2 natural persons for guarantee, and the guarantor requires people with stable income such as national civil servants, teachers and doctors, or form a joint guarantee group of 3 to 5 households;
6. Have a stable business place.
Materials to be submitted for application: (1) application form; (2) Original and photocopy of valid identity documents; (3) proof of permanent residence or residence for one year in the local area; (4) Other materials required for handling loans; (5) Marriage certificate or marriage certificate. To apply for a merchant loan, you also need to provide: (1) the original and photocopy of the business license that has passed the annual inspection; Engaged in franchising, it shall also provide the original and photocopy of the business license of the relevant administrative department; (2) Property right certificate or lease contract of the business premises. Four, how to handle the personal consumption loan business of Postal Savings Bank?
22-60 years old, with collateral.
1. Age limit: 22-60 years old.
3. Age requirement: the longest 15 years old.
4. Types of collateral: ordinary houses, shops and office buildings.
It is recommended to submit a loan application to Accelerated Lending, and the Accelerated Lending Association will recommend the credit manager of the local formal lending institution for you free of charge.