China Post's consumer finance is very good. However, because everyone's asset strength is different, the speed of the next payment and the amount of approval are also different. In addition, China Post's consumer finance loan is about 1-3 working days.
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 the ID photo.
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.
Is China Post's consumer finance easy to borrow?
China post consumer finance had better borrow a sum of money. Meet the conditions for applying for a loan, and the next payment can be made after passing the financial audit of China Post.
The conditions for China Post to apply for consumer finance are:
1. The borrower should have a fixed income, and the platform should check the salary details.
2. The borrower is between 18-50 years old and must pay off the loan before the age of 65.
3. If the loan is used for business or car purchase, there must be a guarantor and mortgage.
4. The borrower has good credit and no bad credit record.
After meeting the requirements, the application can be submitted, and the materials reviewed include:
1, my real name ID card information.
2, face recognition and must be consistent with the ID card photo.
It is relatively easy to apply for the next payment after meeting the above contents.
After the dividend of 20 18 consumer finance policy, the sustained and high-quality development of 20 19 industry is basically expected. Empowered by big data, cloud computing, artificial intelligence and other technologies, consumer finance will usher in more efficient development, and products will be upgraded and iterated in a direction that is more in line with customer needs. As a national licensed consumer finance institution, China Post Consumer Finance Co., Ltd. (hereinafter referred to as "China Post Consumer Finance") continues to deepen its ecological layout and is committed to providing customers with convenient and reliable consumer financial services with its increasingly perfect product service chain.
At present, China Post's consumer finance has three major product systems: "mail you for loan", "mail you for flowers" and "mail you for purchase". The company adheres to the unique business development model of "internet plus" with online and offline linkage, online priority and offline innovation, and launches differentiated financial products for home improvement, tourism, education, renting, wedding, culture, 3C and other consumption scenarios, so as to customize consumption in daily consumption scenarios.
"Mail-to-You Loan" is an unsecured personal consumption loan with pure credit. Sub-products such as revolving loan, super-fast loan, owner loan, excellent customer loan and provident fund loan were launched for different customer groups, with a quota of up to 200,000, simple and convenient application, up to 36 repayments, and the fastest loan for 8 minutes. In the "China Post Wallet APP", "China Post Consumer Finance" WeChat service number, online channels of various cooperative institutions and
Is it easy to borrow money, after high school and consumer finance?
Easy to borrow,
China Post's consumer finance is relatively good in the market for the following reasons:
1, the application threshold is low
At present, there are many popular products in China Post's consumer finance, such as E-mail loan, quick loan, new citizen loan, owner loan, excellent customer loan, revolving loan and postal loan. Most applications have low thresholds.
For example, as long as the age is between 20 (inclusive) and 50 (inclusive), provide a valid China second-generation resident ID card and bind the bank card. Most people are eligible to apply, which is much lower than the bank loan threshold.
2. User word of mouth
According to the feedback from different borrowers, it is said that China Post Finance will soon lend money to people with good qualifications and good credit, and the next payment will arrive soon, basically on the same day.
Therefore, if you want to get a quick loan and apply online, you can submit the loan information in China Post Consumer Finance. If you have a good personal reputation, you can make a payment soon.