China Post's wallet loan is more reliable. China Post Wallet Loan is a loan business of China Post Consumer Finance Co., Ltd., which belongs to formal financial behavior.
China Post Consumer Finance Co., Ltd. was established on 20 15 1 1, headquartered in Guangzhou, and approved by the Bank of China Insurance Regulatory Commission. A national financial institution initiated by seven enterprises, including China Postal Savings Bank, to provide consumer financial services for individual residents. China Post Consumer Finance has set up provincial marketing centers in 16 provinces (cities). In 20 18, the registered capital of China post's consumer finance increased to 3 billion yuan.
Matters needing attention in China Post wallet loan:
1. The information provided to the bank should be true, the address and contact information of people living in Xiaohuai should be accurate, and the bank should be informed in time if there is any change;
2. The loan purpose should be legal and compliant, and the transaction background should be true;
3. According to your repayment ability and future income expectations, choose the repayment method that suits you;
4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;
5, carefully read the terms of the contract, understand the rights and obligations of self transport;
6. Repay on time to avoid bad credit records;
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;
8. prepayment must be handled by communicating with the bank one month in advance.
9. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.
Is China Post Wallet an online loan? Will it affect other loans?
China Post Wallet is an online loan, which will affect other loans. China Post Wallet is an online loan. China Post Wallet is an APP launched by China Post Consumer Finance Company. In addition to payment and financial management functions, China Post Wallet also has the function of applying for loans online.
Which online loan is China Post Consumer Finance?
First of all, China Post Consumer Finance refers to "China Post Consumer Finance Co., Ltd.", which is a financial institution with a consumer finance license, not a product.
Secondly, if you want to apply for the loan products of China Post's consumer finance, you need to download the "China Post Wallet" app, which is a mobile financial platform launched by official website.
Finally, the loan product launched by China Post Consumer Finance is an Internet consumer credit loan product, which can be directly processed online through mobile phones, which is convenient and fast.
Therefore, if online lending refers to loans realized through the Internet platform, then China Post's consumer finance is also online lending, but it is definitely not a banking institution.
If you want to query the online loan data report, you can check it: Xiaoqi Credit Search, which can check the user's application times, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, dishonesty information and other data. And the queried data is very accurate and comprehensive.
Extended data:
Differences between China Post Consumer Finance and Banks
By definition, 1.
China Post Consumer Finance is a licensed consumer financial institution approved by China Banking and Insurance Regulatory Commission, also known as non-bank financial institution, which is obviously different from banks in name.
2. In business.
China Post's consumer finance can't absorb people's deposits, but can only lend with its own funds. The consumer finance business does not involve mortgage and car loans.
Banking business can not only involve mortgage and car loan, but also the most important business, which is to absorb people's deposits.
3. In terms of quotas.
The maximum loan amount issued by China Post Consumer Finance is no more than 200,000 yuan, while the loan amount issued by banks can be several million or tens of millions, depending on the borrower's conditions and mortgage guarantee methods.