The conditions for China Post to apply for consumer finance are:
1. Applicants need to submit real-name ID information, and face recognition needs to be consistent with ID photos.
2. The applicant must be over 18 years old and under 50 years old.
3. Applicants need to have a fixed income, and China Post Consumer Finance will check the salary flow of the applicants.
4. If the loan amount is used for business or car purchase, the applicant needs a guarantor and mortgage.
5. The loan credit is good and there is no bad credit record.
China Post's consumer finance products include mail you spend, mail you loan, and mail you buy. Post Your loan is unsecured, with a maximum amount of 200,000. Mailing your flowers is a convenient payment product that consumes first and repays later. Shopping by mail to you requires users to buy goods by mail to your mall, and they can choose to shop by installment or pay by mail to you.
There are licensed small loans in the market, such as Du Xiaoman, Zhong 'an Small Loan, 360 IOU, Pat Loan, Foreign Currency Pot, Provincial Loan, Micro Loan, Lending Treasure, Staging Music, Banyan Tree Loan, Jingdong Finance, Ping An Pratt & Whitney, Ma Shang Finance and its bank small loan products, and so on. Several small loan products have been used in business turnover before. In fact, every small loan platform has an internal application entrance, with low interest and easy access. Share it with those in need and scan the QR code below to enter!
Therefore, users can choose which product to apply for according to their actual needs. Users who prefer shopping can try to apply for sending you flowers and buying them by mail.
China Post Consumer Finance cash treasure mainly provides revolving loans, cash loans, installment loans and three loan products for merchants.
1 Send you flowers by post
Credit line: 1000-200,000 yuan (real-time repayment recovery line)
Interest rate: the daily interest rate is 0.045%-0.05%, and the annual interest rate is about 16.4%.
2 You Dai Ni.
Credit line: up to 200,000 yuan.
Interest rate: the lowest is 0.6%, and the annual interest rate is about 7.2%.
3 you ni Gou
You can enjoy interest-free shopping by installment loan.
To sum up, the interest of China Post's consumer finance is determined according to the borrower's credit and specific loan products. The minimum annualized loan interest rate is 7%, and the general annualized loan interest rate is still above 14.04%. The specific interest rate depends on the examination and approval results.