1 telephone banking
"Dial 95580→ Self-service press 3→ Personal business press 1→ Loan inquiry press 4", which can be used for loan information inquiry, loan details inquiry and loan contract number inquiry. Can also be used by self-registered customers;
2 personal online banking
Select "Personal Loan-My Loan-My Loan Details", inquire about loan details, repayment plan and repayment details, and initiate loan prepayment; (It is recommended to avoid 17: 00-24: 00 when querying repayment schedule through personal online banking)
3 Mobile banking
Log in to the mobile banking of Postal Savings Bank and select "Loan-My Loan" to view the loan details under your name.
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.
Bank loans generally need to provide guarantees, house mortgages, income certificates and good personal credit information before they can apply. In different countries and different development periods of a country, the types of loans classified according to various standards are also different.
Basic definition
Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.
Loan skills
1. Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Make sure that your loan can be repaid on time no matter when, where or how.
4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.
bank loan
According to different classification standards, there are many types of bank loans.
For example:
1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;
2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;
3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;
4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
5. According to the loan scale, it can be divided into wholesale loans and retail loans;
6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.
Why can't the Postal Savings Bank app find its own car loan?
If it is not found, it may be a system failure or the information has not been updated. The query steps are as follows:
1. Go to the mobile banking website of China Postal Savings Bank, enter the mobile banking login password, and click "Login".
2. The user logs into the mobile banking and clicks "Personal Loan".
3. Click "Loan Information Query" to query "Existing Loan Query".
China Postal Savings Bank can inquire whether to borrow money from other banks.
Of course. Take the postal service as an example. Under normal circumstances, the loan officer of the Postal Savings Bank will give a reply within three days after conducting a field investigation on the loan applicant. If it is another loan, the loan Commissioner will reply within one week; However, you can check the specific progress at the outlets of the Postal Savings Bank, or call the customer service hotline of the Postal Savings Bank to check the progress, or call the loan specialist for consultation.
It has been more than a month since the Postal Savings Office took out the mortgage, and it hasn't come down yet. Where can I check the progress of mortgage?
The operation method of China Postal Savings Bank to search for mobile banking customers and view all-channel existing loan related information through the "loan information inquiry" function;
1. Go to the website of China Postal Savings Bank, enter the login password of mobile banking, and click "Login".
2. Users log in to online banking and click "Personal Loan";
3. Click "Loan Information Inquiry"-"Existing Loan Inquiry";
4. On the existing loan information list page, click the "IOU number" of the loan to be queried, and the detailed information of a single loan can be queried; 5. Click "Repayment Schedule" to inquire about the repayment plan of the loan in the last six months.
Extended data
Explanation of China Postal Savings Bank on the Declaration of Housing Loan Interest Deduction
Release date: 2019-01-10
The Interim Measures for Special Additional Deduction of Individual Income Tax (Guo Fa [2018] No.41,referred to as the Interim Measures) was officially implemented from 20 19 1. In order to help customers do a good job in the tax deduction declaration of housing loan interest, the tax deduction declaration of mortgage interest is explained.
First of all, about filling in tax information
(1) loan type
Fill in "commercial loan" or "housing provident fund loan"; For portfolio loans, fill in "commercial loans" and "housing provident fund loans" in two lines respectively.
(2) Lending banks
When filling in a commercial loan, the "loan bank" should fill in "China Postal Savings Bank", not the specific handling bank; When filling in the housing provident fund loan, you don't need to fill in the "loan bank".
(3) loan contract number
The loan contract number required for tax return needs to contact the loan handling outlets or log in to the mobile banking of Postal Savings Bank for enquiry.
(4) Date of first repayment
Fill in according to the actual time of the first repayment. You can contact the loan handling outlets or visit the mobile banking of Postal Savings Bank for enquiries.
(5) Term of the loan
Fill in according to the loan term clause in the loan contract. If the contract is lost or the loan term has been changed, you can contact the loan handling outlets or log in to the mobile banking of Postal Savings Bank for enquiry.
Description of important matters
(1) Whether it meets the condition of "housing loan enjoys the first housing loan interest rate" in the Interim Measures shall be implemented according to whether the loan was recognized as the first housing loan at that time. Due to the great changes in the mortgage interest rate policy, the identification standards in different periods and regions are quite different. For accurate reporting, please contact the loan handling bank to confirm whether your loan is the "first set".
(2) Please confirm the rules for filling in the application information of housing provident fund loans and the first set of housing loan identification standards to the provident fund management center for loans. Please confirm the combined loan (that is, the combination of provident fund loan and commercial loan) with our provident fund center and the handling bank respectively. Military housing provident fund loans are not tax deductible for the time being. If in doubt, please consult your military unit.
(3) We will provide relevant information truthfully and objectively to help you declare the special additional deduction of housing loan interest, but whether the individual tax can be deducted successfully in the end depends on the tax policy.