Personal consumption loans refer to other comprehensive consumption loans issued by the Bank to individuals except commercial housing mortgage, automobile consumption and national student loans, which are used to meet people's consumption needs for commercial student education, home decoration and high-end durable consumer goods (such as high-end household appliances, furniture, computers, pianos, etc.). ), travel, wedding.
Product advantages:
1. There are many institutions, which can be handled by all first-level management branches;
2. The loan approval speed is fast, and sub-branches can approve eligible loans.
3. Simple procedures, flexible and diverse security methods, rational use of future income, and overall arrangement of life.
Loan terms:
1, a citizen of People's Republic of China (PRC) with full capacity for civil conduct and a foreign natural person who meets the relevant provisions of the state;
2. The purpose of the loan is clear and legal;
3, a stable and reliable economic income, with the ability to repay the loan principal and interest on schedule;
4. A local fixed residence with its own property rights and a valid identity document;
5. You can provide mortgage rights recognized by the bank, and you can also provide a list of mortgage rights and proof of ownership. The owner and the property * * * have written documents or a third-party guarantee (the guarantor must also have a credit qualification recognized by the bank);
6. The credit status is good, and there is no major bad credit record;
7. Other conditions stipulated by the bank.
Application materials:
1. Personal ID card or other relevant identification materials.
2. Personal work certification materials
3, personal income certificate and bank documents
4. Proof of loan use
5. Other relevant certification materials stipulated by the bank.