Is the interest rate of the postal loan high, and is the postal loan good to pass

Postal Loan is a credit loan product, according to its official page, the annual interest rate.

The lowest can be. Taking a loan of 10,000 yuan and the borrowing time of 1 year as an example, the loan interest is 10,000* yuan. % APR compared to other lending platforms.

The annual interest rate is relatively low, and it is also advantageous among many loan products.

Extended information: 1. Postal Loan is the consumer finance of China Post.

An unsecured line of credit granted to residents in China for personal consumption.

The occurrence of loan risks often begins at the loan review stage, and it can be seen from the disputes that occur in judicial practice that the risks that arise in the loan review stage mainly appear in the omission of the review content Loan review is a meticulous work, which requires investigators to conduct systematic investigation and investigation on the qualifications, qualifications, credit, and property status of the loan subject. In practice, some commercial banks' loan examiners have missed all sorts of money, resulting in credit risks. There is no due diligence in practice.

Loan examiners often only focus on the identification of documents and lack due diligence, which makes it difficult to identify fraud in loans and cause credit risks. Errors in judgment and failure of the bank to listen to expert opinions on the relevant contents, or to have professional judgment by professionals. In the process of loan review, it is not only necessary to ascertain the facts, but also to make professional judgments on the relevant facts in terms of law and finance.

2. When applying for a loan, you must provide: proof of marital status.

Proof of repayment ability such as personal or family income and property status; Relevant agreements and contracts for the purpose of the loan; Collateral materials, certificates and lists of ownership of collateral or collateral, and appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank. In addition to the written materials, it is necessary to have collateral. There are many mortgage methods, which can be movable property and immovable property mortgage, fixed deposit certificate pledge, valuable ** pledge, movable property pledge with strong liquidity, and guarantor guarantee that meets the requirements.

Microfinance is a comprehensive consumer loan with individuals or enterprises as the core.

The loan amount is generally more than 10,000 yuan and less than 200,000 yuan. A guarantee is generally required during the process. Microfinance is an extension of the technical and practical application of microfinance.

What are the reliable platforms that are easy to borrow money through:

At present, it is relatively easy to pass the user's loan application for borrowing, 360 IOU, Qianhua, Anyihua, Banyan Loan, Micro Loan, Jingdong Gold Bar, Gome Easy Card, Installment Le, Paipai Loan, Repayment, 58 Good Loan Foreign Money Bank, Enough Flower and Good Loan. However, whether the loan platform ultimately passes the user's loan needs depends on the user's current personal qualifications, the higher the personal qualifications (the higher the education, the more stable the job and income, the better the credit record, and the less debt), the easier it is for the loan platform to pass the user's loan application, and vice versa.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (original name: Youqianhua, renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

It has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply. Online loans are risky, so you need to be cautious in your choice!

24% annual interest, a lot of online loans, the postal service actually recommends, the postal bank is so disgusting?

As long as you are over 18 years old, have good personal credit, have no serious loan overdue records, have no abnormal records in China Post Consumer Finance, and have a stable income of more than 2,000 yuan, you can rely on your ID card.

In terms of the pass rate, as long as the personal information provided by you is true and valid, then it is not difficult to pass.

Extended information: 1. Postal Loan is the online loan of China Post Consumer Finance, and China Post Consumer Finance is provided by the Postal Savings Bank.

Established. As an outlet with a banking background, the postal loan will be credited. Therefore, once everyone's postal loan is overdue, it is very likely to affect your central bank.

Credit Records. 2. Summary: Postal Loan is actually a very good loan platform, but in the process of application, you also need to ensure that these materials are true and effective, of course, I also hope that you need to understand that you need to master the corresponding skills in the process of application, otherwise you may also be rejected.

3. Postal Loan Personal Consumption Loan, referred to as "Postal Loan", refers to China Post Consumer Finance.

An unsecured cash loan of credit issued to residents in China for personal consumption (excluding the purchase of a house and a car).

5. China Post Consumer Finance was established in November 2015, headquartered in Guangzhou, and is approved by the China Banking Regulatory Commission.

It will be approved by the Postal Savings Bank of China as the main investor to establish a national financial institution to provide a full range of consumer financial services for Chinese residents.

6. China Post Consumer Finance adheres to the principle of "inclusive finance."

Service concept, with the development vision of "credit life, enjoy by you", is committed to promoting the release of mass consumption potential, promoting the integration of industry and finance, boosting the consumption upgrading of retail consumption-related industries, customer-centric, with "integrity, professionalism, innovation, and win-win" as the core value, and strive to build an O2O consumer finance comprehensive service platform, and enhance the driving force of consumption to the economy.

7. Composition of shareholders.

China Post Consumer Finance**** is owned by Postal Savings Bank of China****.

Holding establishment, diversified equity, covering state-owned, foreign-funded and private capital and other economic components. Other shareholders include: DBS Bank.

, Bohai International Trust Co., Ltd., Lakala Network Technology Co., Ltd., Guangzhou Guangbai Co., Ltd., Guangdong Haiyin Group Co., Ltd. and Guangdong Sanzheng Group.

Many people react to the fact that it is a scam. You need to take out a loan rationally and repay it in a timely manner. Similar to other online loan platforms, you don't need to provide complex supporting materials, mortgages and guarantees.

Personal credit is good, there is no serious loan overdue record, in China Post Consumer Finance.

No anomalies have been recorded; Bichai has a certain ability to repay and a strong willingness to repay, with a monthly income of more than 2,000 yuan.

Extended information: The essence of Internet finance is still finance, and the characteristics of financial risks have not changed, such as concealment, contagion, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement for promoting the healthy development of Internet finance.

At the same time, Internet finance is a new thing and an emerging business format, and it is necessary to formulate moderately relaxed regulatory policies to leave room and space for Internet financial innovation. By encouraging innovation and strengthening mutual support in supervision, we will promote the healthy development of Internet finance and better serve the real economy.

Internet financial supervision should follow the principles of "lawful supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various business formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and irregular behaviors.

Online lending includes individual online lending (i.e., P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through Internet platforms. Direct lending on individual online lending platforms is a private lending.

The scope is subject to the general principles of contract law and civil law.

and other laws and regulations, as well as the relevant judicial interpretations and norms of the Supreme People's Court. Online micro-loans refer to the micro-loans provided by Internet enterprises to customers through the microfinance companies controlled by them. Online microloans should comply with the existing regulatory regulations of microfinance companies, give full play to the advantages of online loans, and strive to reduce customer financing costs.

The online lending business is supervised by the China Banking Regulatory Commission.

Online lending platform. Supervision, from the maximum of five or six thousand to the end of June only 29 in operation, the special rectification work may be completed by the end of the year, transferred to regular supervision.

With the continuous development of Internet finance, a large number of lending platforms have emerged, but the interest rate of each platform and the difficulty of lending are different. Many borrowers must prefer those borrowing platforms with low interest rates and easy to pass, there are many such platforms, and here are a few with high payment rates.

Borrowing platform which is easy to pass low interest.

1. Have money to spend.

There are many sub-products of financial pure credit loans, which are easier to apply for small term loans, with low daily interest rates, but they are determined according to the borrower's comprehensive credit situation, with a long registration time, high frequency of use, and frequent use of products, which meet the basic borrowing conditions and have a relatively high pass rate.

2. Zhaolian good term loan.

Zhaolian Financial's pure credit loan is also easier to apply, as long as you register with a real-name mobile phone number on the mobile phone, upload your ID card, bind your bank card to complete real-name authentication, you can borrow, the better the credit, the stronger the repayment ability, the easier it is to pass, and the daily interest rate range.

3. 10,000 e loans.

Wanda Puhui pure credit loan platform is also relatively easy, no mortgage guarantee is required, and it can be handled directly, with a daily interest rate as low as. With the advantages of low interest rate, fast lending speed and low threshold, it is one of the preferred borrowing platforms for many people, and the lending rate has been good.

IOUs. 360 Finance's pure credit loan, relatively easy to apply, 18-55 years old Chinese mainland residents, only need to provide ID card, bound savings card to complete real-name authentication, out of the limit can apply for loans, the daily interest is as low as, in a number of borrowing platforms is relatively low interest.

Reliable, Postal Loan is now newly upgraded, and has launched a variety of products for different customer groups, including revolving loans, quick loans, owner loans, excellent customer loans, invited models, provident fund loans, etc.

It's easy to apply, with a quota of up to 200,000! I think it's very easy to use, it's very convenient to operate in the China Post Wallet app, and you can also pay attention to the "China Post Consumer Finance" WeChat service account to apply. Checking progress and repayment can be operated.

ps.Friendly reminder, if you repay automatically, remember to keep the balance of the repayment bank card sufficient.

China Post Consumer Finance's postal loan, the minimum application amount is 1,000 yuan, the maximum is 200,000 yuan, and the approval speed is relatively fast, the online application can be completed in 8 minutes at the earliest, and the approval result can usually be received on the same day, and the loan payment usually arrives within 24 hours after the approval is passed.

China Post Consumer Finance is a formal company established with the approval of the China Banking and Insurance Regulatory Commission and initiated by 7 well-known Chinese and foreign enterprises including the Postal Savings Bank of China.

Extended information: 1. Consequences of overdue postal loans.

1. After the postal loan is overdue, everyone's overdue information is likely to be reported to the central bank credit system. Once there is a stain on the credit information system of the central bank, it will be very difficult to apply for housing loans, car loans, and consumer loans in the future.

2. For those whose loans are overdue, postal loans will charge overdue fees on a daily basis. Late fees are generally much higher than normal loan interest.

3. After everyone's loan is overdue, the comprehensive credit score of the loan will be lowered, resulting in the loan credit line being reduced and the loan interest being raised.

4. If you are determined to be a malicious loan and do not repay it, your loan account will not only be frozen, but you may also be sued in court. Once the court puts the debtor on the list of dishonest people, then everyone's life will be severely restricted in the future.

Second, the interest of the postal loan.

The loan is repaid in installments, and the loan term is between 3 and 48 months. The interest rate of the Postal Loan can be as low as the annualized loan. In other words, if you take out a loan of 10,000 yuan, the interest can be as low as 777 yuan a year.

1. Strive to improve your personal credit and maintain a good lending record in any financial institution;

2. Work hard to make your income as high as possible, and constantly improve your repayment ability.

Next, let's take a look at whether the interest rate of the postal loan is high. The interest levels of the mainstream lending platforms are as follows:

1. The daily loan interest rate of Ant Borrowing is about that, and the converted adult loan interest rate is about that;

2. The daily loan interest rate of micro loan is about and about, and the conversion of adult loan interest rate is about and so;

3. The daily loan interest rate of Ping An Puhui is about that, and the converted adult loan interest rate is about that;

The daily loan interest rate of the IOU can be as low as the converted adult loan interest rate can be as low as.

In general, the interest rate of postal loans is at a medium level in the online credit industry, and it is still within the acceptable range.