First of all, answer directly.

There are mainly the following kinds.

Second, the specific analysis

1, buy furniture and appliances

Such as TV, refrigerator, sofa, bed, wardrobe, tables and chairs, air conditioner, water heater, etc. It can also be used for home decoration.

Step 2 buy a car

In the use of consumer loans, it is ok to buy a car, but it cannot be used to buy a house.

Step 3 use it for education

For example, studying abroad and re-education after employment. The loan funds can be used to pay tuition, accommodation and living expenses.

4, used for marriage

For example, hire a wedding company, hold a banquet, buy a wedding dress, buy jewelry and so on. You can apply for a consumer loan if the short-term expenses are large.

Step 5 travel abroad

It can be domestic tourism or foreign tourism. The longer the planned travel time, the greater the demand for consumer loans.

6. Medical beauty

Medical treatment refers to all kinds of medical treatment for colds, diseases and accidents. Medical beauty generally refers to the treatment and plastic surgery of the mouth and eyes.

7. Purpose of production and operation

For example, if the demand is small, you can also apply for consumer loans for production and business purposes such as expanding the factory building, purchasing business equipment, purchasing raw materials, and accounting turnover.

8. Other daily consumption

For example, shopping for dinner, buying food and cooking, buying clothes and shoes, paying utilities, transportation and other basic expenses of daily life.

Note that consumer loans are explicitly prohibited, that is, they may not be used in areas prohibited by law such as house purchase and investment.

Pay attention to personal credit at ordinary times, and don't blindly apply for loans. Otherwise, once big data is spent and you want to apply for loans, you will be refused loans because of insufficient comprehensive scores. You can get a big data report in Beijian and clearly know your situation in online lending big data. The database cooperates with more than 2,000 online lending platforms, and the queried data is relatively accurate and comprehensive.

3. What are the consumer finance loans?

There are many consumer finance loans, such as Gitzo consumer finance commodity loans and consumer loans, instant consumer finance comfort loans, good-term loans for consumer finance, full-time loans and privileged loans for Xiaoman Finance's rich flower platform, Suning Finance's willful loans, Jingdong Finance's gold bar loans, Ant Financial's loan treasures, and Lexin's installment music.

In addition, other consumer finance institutions also provide various credit consumer loans, such as Zhongyuan Consumer Finance, China Post Consumer Finance, Haier Consumer Finance, Yin Chang Consumer Finance, Huarong Consumer Finance, Yin Hang Consumer Finance, Jinshang Consumer Finance, Shengyin Consumer Finance and Happiness Consumer Finance.

As long as more attention is paid to maintaining personal good credit, there is no bad record in the credit report; And can provide stable income proof, have the ability to repay on time, and generally can successfully borrow money from the above-mentioned consumer financial institutions.

Of course, if the credit is bad, you can't borrow money temporarily.

It should also be noted that there are many unknown small loan platforms in the loan market. Although the application threshold is low, it is not recommended to borrow money because there is no financial license.

Three ways of personal consumption loan

Personal consumption loans are being accepted by more and more people, especially young people, who can realize their wishes through personal consumption loans. So what are the ways to apply for personal consumption loans now?

1, bank

Banks are the way most people apply for consumer loans. Banks can generally apply for consumer loans for decoration, car purchase, study abroad, and purchase of large consumer goods.

2. Consumer finance companies

Consumer finance companies refer to non-bank financial institutions that provide loans for the purpose of consumption for Chinese residents. Consumer finance companies can provide loans for personal consumption expenses such as home appliances, tourism, wedding, education and decoration, but they cannot provide housing loans;

3. credit card installment payment

At present, credit cards basically have installment function, and individuals can apply for installment repayment after spending by credit card.

Handling process of personal consumption loans of banks or consumer finance companies:

(1) The borrower shall fill in the application form at the loan handling outlet with the information required by the lender (generally including ID card, real estate license, marriage certificate, etc.). ), the bank conducts qualification examination on the borrower to confirm whether the borrower meets the application conditions;

(2) After the application is approved, sign a loan contract with the bank or consumer finance company;

(3) The borrower can draw the loan at any time within the validity period and amount agreed in this contract.

(4) After the loan expires, the borrower shall repay the loan principal and interest as agreed. After paying off the principal and interest, the loan contract is automatically terminated.

4. Advantages and disadvantages of three ways of personal consumption loans.

Banks have higher requirements for borrowers' qualifications, complicated procedures, strict approval of quotas, and generally lower quotas. However, the interest rate of consumer loans provided by banks is low, there is no fraud, and there is no need to worry about falling out of the pit;

Consumer finance companies have lower requirements for borrowers' qualifications, higher loan quotas and, of course, higher interest rates. In addition, consumer finance companies in the market are mixed, and some of them are put in the name of consumer loans. Borrowers need to be carefully screened to avoid falling into the pit;

Credit card installment is the simplest way of consumer loans. You can apply for installment repayment after swiping your card. However, the interest rate of credit card installment is slightly higher than that of bank consumer loans, and there may be other fees such as handling fees.

Has anyone used industrial consumption finance loans? How's it going?

First of all, industrial consumption finance must be formal, reliable and guaranteed. It is a consumer finance company established by Industrial Bank and has a consumer finance license issued by China Banking Regulatory Commission.

Then there is the lending model. Industrial consumer finance adopts the pure credit loan model, which does not need mortgage and guarantee. Up to 200,000 yuan, and the loan will be released on the same day as soon as possible. The loan products of industrial consumption finance mainly include family consumption loan, talent promotion plan and career planning, which can meet family consumption, school and personal needs.

As for fees, Industrial Consumer Finance has made a commitment to fees, ensuring that all fees are transparent and open, and will not authorize third parties to collect any guarantee fees and agency fees outside the contract.

Industrial Consumer Finance Co., Ltd. was established in February 2065438+2004. It is a national consumer finance company approved by the Bank of China Insurance Regulatory Commission (formerly China Banking Regulatory Commission) with a registered capital of 65,438.09 billion yuan.

As a subsidiary controlled by Industrial Bank, one of the top 30 banks in the world, Industrial Consumer Finance takes it as its responsibility to improve the consumption power and quality of life of domestic residents and help the development of the real economy. Industrial consumer finance adheres to the initial intention of inclusive finance, and provides modern consumer financial products for people who cannot fully enjoy the traditional bank loan services. At present, the company's exhibition area has covered more than 50 major economically developed cities in China, with accumulated loans exceeding 654.38+07 billion yuan and serving more than 654.38+03 million customers, and it is in the leading position in terms of scale, quality and benefit. Appraised by China Chengxin International Credit Rating Committee, the company's main credit rating and debt rating are AAA.

Xingye Consumer Finance is committed to becoming a leader in consumer finance and an innovator in inclusive finance, constantly deepening the integration of traditional experience and emerging technologies, creating the core competitiveness of financial technology that runs through all aspects of customer acquisition, risk control and operation, with leading service quality and efficiency in the industry.

So much for the introduction of financial loans and consumer loans.