As a member of the four major banks, but also a State-owned bank, postal banks are often chosen by the public as the first choice for deposits or loans. What are the conditions for a loanee? Let's talk about it together. If you want to borrow at the postal bank, you have to be between 18 and 60. In other words, you need to have full civil capacity, be healthy and have lived in the place where you apply for a loan for a full year. Secondly, a stable source of income is extremely important. If you are a civil servant, an employee of an enterprise, an employee of a large or medium-sized enterprise, a teacher, a doctor, you are considered to be an ideal person. Thirdly, you need to maintain a good credit record and ensure that your loan is used clearly, as part of compliance. Then, if you do not apply for a loan in excess of $10,000 within the above range, you need to find a person with reliable repayment capacity who can guarantee your loan. Lastly, other conditions will follow the rules of the postal bank itself. On the question of how long a postal bank loan will arrive, if you choose to apply online, and in the case of the fastest, the money may be received on the same day. But if you choose to apply online, then it may take you about 20 days from submission to receipt. Please bear in mind that the timing of the specific arrival needs to be determined on a case-by-case basis and may be extended if the volume of business or the bank is under pressure. Finally, it should be stressed that postal banks offer many different types of loans, with different conditions for each type of loan, so that they need to choose their own type of loans to pass smoothly. At the same time, it is recalled that loans are repaid in a timely manner to avoid delays in the issuance of letters of credit。