13 whether personal consumption loans can be used to purchase personal consumption loans is generally called consumer loans, which are guaranteed loans issued by banks to borrowers for designated consumption purposes. Uses include house decoration, purchase of various kinds of large durable consumer goods, travel, study and other personal consumption, and may not be used in high-risk areas such as house purchase and stock trading. In addition, Beijing Banking Regulatory Bureau clearly mentioned in the "Notice on Risk Warning in the Field of Personal Comprehensive Consumer Loans" issued on April 28 that it was found that individual banks' personal consumer loans were not carefully supervised, and the loan amount was large and the term was long, which obviously did not match the daily consumption attributes; Problems such as dereliction of duty in loan investigation, lax examination and approval, ineffective post-loan management, and lax employee behavior management have caused loans to be misappropriated for stock market investment, house purchase, production and operation. The notice requires that personal consumption loans should not be used in non-consumption areas such as house purchase and investment. "The upper limit of personal consumption loan is 6.5438+0 million yuan, and the term does not exceed 654.38+00 years." Beijing Banking Regulatory Bureau suddenly issued a notice at the end of April, which made real estate agents and buyers secretly worried. On the surface, consumer loans and real estate agents seem to have nothing to do, but in recent years, with the continuation of real estate control policies, bank loans have been tightened step by step, and the practice of making up the house payment with consumer loans has long been an unspoken rule in the industry. "The purchase price is not enough, and the consumer loan is enough" has become an open secret in the second-hand housing market in recent years. According to the survey, this gray interest chain of consumer loans flowing into the property market involves a wide range. First, the real estate agent will match the bridge, and then the guarantee company will submit the formalities to the bank, and the decoration, jewelry, mahogany and other companies will help "whitewash" the loan. Of course, this process is also inseparable from the covert assistance of some commercial banks. In some banks, personal consumption loans can also buy shops and office buildings, but the door of serviced apartments has been closed. Agricultural Bank of China said that personal consumption loans can now buy shops, and the interest rate will rise by 10%, but the purchase of commercial hotel-style apartments will be suspended. The business department of China Merchants Bank also said that at present, the down payment of shops and office buildings is 50%, the interest rate is up by 20%, and the longest loan period is only 10 year. However, for serviced apartments with 40-year-old commercial properties, no matter the size, no orders are accepted at present. "Although the 40-year-old serviced apartment is commercial in nature, its actual use is residential, which is still different from that of shops and office buildings." Everbright Bank replied that shops and office buildings can be loaned at present, with interest rates rising by 20%, but serviced apartments with only 40 years of property rights cannot be loaned. A person in charge of Guangfa Bank also said that the bank's serviced apartments have indeed stopped lending. "You can't blame the bank for being picky. Now the quota is so tight that ordinary first-hand houses are waiting in line for loans. This non-mainstream product naturally has to be put aside. " However, according to the person in charge, whether or not to lend now is comprehensively considered by the bank according to the loan amount and risk control. "You can ask the bank more. If the quota is loose, you may be able to get a loan." To sum up, the answer to the question of whether personal consumption loans can be used for buying houses is that personal consumption loans can only be used for small short-term revolving personal consumption loans, and cannot be used for long-term and large-scale housing purchases. This is mainly to ensure the safety of bank loan recovery and reduce risks. At the same time, the personal consumption loan interest rate is generally higher than the long-term loan interest rate for house purchase. Therefore, there is no need for individuals to choose personal consumption loans to buy a house.
Can I buy a house with a consumer loan?
According to the regulations, consumer loans cannot buy a house. Consumer loans mainly refer to personal loans for studying abroad, buying durable goods or even buying a car. In terms of types, consumer loans include residential mortgage loans, non-housing loans and credit card loans.
People who want to apply for a consumer loan from the bank need to prepare the original and photocopy of the ID card, household registration book and marriage certificate of both husband and wife of the borrower, as well as the income certificate and salary table for the last three months. After applying for a loan from the bank, the bank will give a reply within 15 working days.
Consumer loans are also called "consumer loans". Loans to consumers for purchasing durable consumer goods or paying various fees. For a long time, commercial banks mainly provide loans to industrial and commercial enterprises or other institutions and groups, and generally do not provide subsidies for personal consumption expenditures.
After World War II, commercial banks launched consumer loans on a large scale, mainly because of the increasingly fierce competition in the financial industry. In order to seek development, commercial banks need to open up new business areas.
After the war, the economic development in the western region was relatively stable, and individuals had relatively reliable monetary income.
With the emergence of more and more credit reporting agencies, banks can know the credit status of borrowers at a lower cost and ensure the safety of loans.
Residents in western countries are also willing to use consumer loans to avoid the impact of the expansion of general loans. The rapid development of consumer loans has played an important role in promoting the development of products and production. Consumer loans are divided into different types according to different standards. From the perspective of repayment period, it can be divided into one-time repayment and multiple repayment; Judging from the lending relationship between banks and consumers, it can be divided into direct loans and indirect loans; According to the purpose of the loan, it is divided into automobile loan, residential loan, residential improvement or repair loan, education and study loan, small living loan, holiday and tourism loan, etc.
Judging from the external environment of commercial banks, the current loan-to-deposit ratio has seriously restricted the market-oriented operation of commercial banks. According to the established policy of CBRC, 75% loan-to-deposit ratio will not be adjusted. With such a high loan-to-deposit ratio, China's banking industry will inevitably experience large fluctuations in deposits and loans at the end of the quarter, the beginning of the quarter, the end of the month and the beginning of the month.
At present, rushing to loan-to-deposit ratio has become the main task of commercial banks. For banks with weak "storage" ability, it is inevitable to shrink loans, even personal consumption loans with high-quality loans have to be tightened.
From the internal environment of commercial banks, it has entered the fourth quarter, and the large state-owned enterprises with huge volume and strong loan demand have reduced their demand for funds; In addition to small and micro enterprises explicitly supported by national policies, some enterprises that need loans are explicitly supported by governments at all levels, and banks cannot raise interest rates on them. Most banks that can raise interest rates are extremely risky.
Can I still apply for a mortgage with a consumer loan record?
As long as you have no record of malicious arrears, and the house you bought can be refinanced after removing your previous loan amount, you can apply for a mortgage.
The general requirements of banks for housing loan information include:
1, personal stable income certificate, generally requires the issuing bank's running record or the certificate of paid tax or provident fund income, etc.
2. Asset guarantee or proof (mortgage or pledge of assets recognized by the loan bank, or (and) legal person, other economic organization or natural person with sufficient compensation capacity as guarantor).
3. Contract, ID card, proof of down payment funds, etc.
Extended data:
In August, the People's Bank of China promulgated the Interim Measures for the Administration of Self-operated Housing Loans of Commercial Banks, 1995, which marked that the commercial housing loans of China Bank were on the right track. But the conditions at that time were relatively strict:
First, it is required to provide double guarantees, namely mortgage (pledge) guarantee and guarantee guarantee;
Second, the maximum term 10 years;
Third, the borrower is required to have a deposit first, the deposit amount is not less than 30% of the house price, and the deposit period must be more than half a year.
In order to avoid mortgage risks, banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee.