Consumer loan funds are generally "earmarked". In order to ensure this, banks usually require borrowers to provide relevant consumption vouchers, that is, "proof of use".

I have to admit that at present, most banks need to provide proof of use for their consumer loan products. For decoration, the contract signed with the decoration company or the relevant certificate issued by the decoration company shall be provided. If there is no proof of use, it is indeed possible to apply for a loan and be rejected.

However, there are always more methods than problems, and it is ok to apply for a consumer loan without a proof of use. It is understood that in addition to banks, loan companies also have similar loan products. To apply for a loan from a loan company, it is generally only necessary to fill in the purpose of the loan when applying for a loan, and it is not necessary to provide relevant proof of use. You can try this method.

However, it should be noted that consumer loans cannot be used for buying houses, investing, and stock trading. When applying for a consumer loan, the purpose must be formal, and the loan funds cannot be used for other purposes. Even if the loan company doesn't need proof of use, if they find that the borrower has used the funds for other purposes, it is possible to recover the loan directly.

The purpose of consumer loans does not mean that all consumers can apply for loans. The most common purchase of real estate, although also a consumer behavior, can not apply for consumer loans. Consumer loans have the following three purposes.

First, buy big durable goods or luxury goods. For example, buy cars, home appliances, jewelry or gold and so on. This kind of products can be preserved or used for a long time, and generally you can apply for a consumer loan.

Second, study abroad or travel. With the improvement of living standards, more and more friends choose to study abroad or travel abroad. You can apply for personal consumption loans under these circumstances.

Third, business needs. At present, many micro-enterprises want to apply for corporate loans, but they can't meet the requirements of lending institutions. Then you can choose to apply for a personal consumption loan, which is also possible.