Not all consumers can apply for loans, and the most common purchase of real estate, although also a consumer behavior, cannot apply for consumer loans. Consumer loans have the following three purposes.

1, 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.

2. Studying abroad or traveling

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.

3. Business requirements

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.

To sum up, customers' personal consumption credit rating is generally divided into seven grades, which are evaluated from the aspects of customers' income level, repayment willingness, social status, family environment and so on. Not all consumers can apply for loans.

What are the loan purposes that personal loans can meet?

Personal loans can meet the loan purposes are:

1. Personal consumption loan: refers to the behavior that citizens with a certain income apply for a loan from a bank, provide a certain guarantee, repay the loan at maturity and pay interest. It mainly includes: personal durable consumer goods loans, personal housing decoration loans, personal student loans, personal travel loans, automobile consumption loans and other business varieties.

2. Personal comprehensive consumption loan: refers to loans granted by banks to individuals with no specific purpose in order to further meet their increasingly diversified consumption needs.

3. Credit card overdraft loan means that when the credit card account balance is less than the amount required for consumption or shopping, the credit card holder will automatically give the required loan amount according to the limit agreed by the bank and the cardholder in advance.

4. Personal housing loan: refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use.

5. Individual: refers to the loan that the borrower provides the corresponding pledge to the bank as a guarantee according to the loan amount. When the borrower's cash flow is insufficient to repay the loan, the bank will exercise the right to dispose of the pledge.

6. Personal credit loan: refers to the RMB credit loan issued by banks or other financial institutions to borrowers with good credit standing without providing guarantee. Based on personal credit and repayment ability, the loan amount will generally not exceed 1-200,000, and the loan term is1-2 years.

I. Loans

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the principle of loan

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

What are the uses of personal comprehensive consumption loans?

Personal comprehensive consumption loans refer to RMB loans issued by banks to borrowers for specific consumption purposes. Its uses include house decoration, purchase of parking spaces, purchase of various large-scale durable consumer goods, travel, study abroad, children's marriage, medical care, purchase of large life insurance and other personal consumption. Housing loans do not belong to consumer loans, and the purpose of consumer loans cannot be high-risk investment industries such as buying houses, futures and stocks. Application conditions; 1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, have the ability to repay the loan principal and interest on schedule, and can provide relevant supporting documents;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Open a personal settlement account in a loan bank;

7. Other conditions stipulated by the bank.

8. There is no record of non-performing loans in banks and other financial institutions.

9. If the guarantee method is adopted, it can provide legal and effective pledge, mortgage or guarantee recognized by the bank. The loan applicant applies to the bank, fills in the application form in writing, and submits the following materials:

1, valid ID;

2. Proof of permanent residence or valid residence, and proof of fixed residence;

3. Proof of marital status;

4. Proof of income or personal assets;

5. In case of mortgage loan, it is required to provide the ownership certificate of the mortgaged house, the identity certificate of the owner of the mortgaged house (including the legal owner), the certificate of marital status and the written certificate of consent to mortgage; And assess the value of collateral according to the regulations and provide assessment reports; If the mortgaged house is exempted from evaluation, relevant certification materials that meet the conditions for exemption from evaluation shall be provided, including the transaction contract or the latest evaluation report;

6. Loan use plan or statement;

7. Other information required by the bank.

What are the uses of consumer loans?

With the increase of people's income, the desire for consumption is increasing day by day. For ordinary users, decoration, marriage, education, medical care, travel and car purchase are not small expenses. If you have a stable income, you can try to apply for a consumer loan. So what are the uses of consumer loans?

1, buy big durable goods or luxury goods. Many young people want to buy expensive goods, but they are not enough, so they will choose consumer loans to solve the financial problem, such as buying cars, digital appliances, jewelry and so on.

2. Get married. Getting married now costs a lot of money, ranging from tens of thousands to tens of millions. Some families can't afford so much money for the time being, and they can also choose to apply for consumer loans to pay for some large expenses.

3. Education. Whether it is for office workers to improve their re-education or to send their children to study abroad, consumer loans can solve the problem.

4. Travel. At present, some popular scenic spots, which take a long time to play and cost a lot, can also use consumer loans.

There are so many uses for consumer loans. I hope the answer helps.

What are the uses of personal consumption loans of China Bank?

Use of personal consumption loan of China Bank:

Personal consumption loans can be used for all legitimate personal consumption expenses, but excluding house purchase, production and operation, personal expenses without specific purposes, and any purposes prohibited by laws, regulations, regulatory provisions and national policies (including stock and securities investment, etc.). ). Due to the differences in business in individual regions, please consult the acceptance outlets of BOC for details.

The above contents are for your reference. Please refer to the actual business regulations.