1. Postal loan is a loan product used by Postal Bank for personal daily consumption for customers whose salaries are paid by Postal Bank at present. The biggest feature of this product is to actively grant credit to high-quality customers without mortgage and guarantee, and the loan amount is mainly determined according to everyone's salary income. According to playing cards and oranges, the amount that each person can apply for is about 90% of his annual income, but at present, the maximum amount of application provided to each person does not exceed 300,000 yuan.
2. Postal loan is an online loan product belonging to Postal Savings Bank. You don't need to go to the local outlets. You can do it through online banking or mobile banking. The longest loan period is 2 years, so we should plan the repayment funds in advance.
1. China Postal Savings Bank (hereinafter referred to as "Postal Savings Bank") is a leading large retail bank in China. Located in the service community, small and medium-sized enterprises and "agriculture, countryside and farmers", we are committed to providing services to the most dynamic customer groups in China's economic transformation. At the same time, the Postal Savings Bank actively serves major customers and participates in major project construction, making important contributions to China's economic development.
2. The bank has nearly 40,000 business outlets, serving more than 600 million individual customers, giving full play to the unique mode advantage of "self-management+agency" to serve agriculture, rural areas and farmers, urban and rural residents and small and medium-sized enterprises. With excellent asset quality and remarkable growth potential, the Bank is a leading large retail bank in China. The Bank insists on serving the real economy, actively implements the national strategy, supports the construction of China's modern economic system, and realizes its own sustainable development. Adhere to customer-centric, build an online and offline integrated financial service system, and provide our customers with high-quality, convenient and efficient integrated financial services. Adhere to the risk orientation, constantly improve the "all-round, all-round, all-staff" comprehensive risk management system construction, and maintain the excellent level of asset quality. Adhere to the mission of "inclusive urban and rural areas, so that financial services have no distance" and provide inclusive finance services; Follow the trend of residents' wealth growth and consumption upgrading, and develop wealth finance; Support the transformation and upgrading of industrial structure and develop industrial finance; Implement the major deployment of peak carbon dioxide emissions and carbon neutrality, and develop green finance. Empower high-quality development with financial technology and build a digital eco-bank that serves rural revitalization and new urbanization.
3. Under the background of China's economic transformation and upgrading, deepening financial reform and vigorous development of information technology, Postal Savings Bank will seize new strategic opportunities, give full play to its own advantages, constantly enrich its business varieties, broaden its service channels, enhance its service capabilities, provide customers with more comprehensive and convenient financial services, and strive to become the most trustworthy and valuable first-class large-scale retail bank.