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, and paying the basic expenses of daily life such as water, electricity and transportation.
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.
What are the loan products of BOC Consumer Finance?
The loan products of China Bank's consumer finance are divided into three categories:
1, credit loan
Credit loans include credit loans and music loans, both of which are personal consumption loans with a maximum amount of 200,000. The difference is that applying for a music loan requires a mortgage.
2. Merchants enjoy exclusive loans.
Merchant-specific loans include education-specific loans, skill-specific loans, decoration-specific loans, learner's car-specific loans, rental-specific loans, wedding-specific loans and owner-specific loans, which are exclusive loan schemes provided according to different needs.
3. Online loans
Internet loans include China Bank Consumer Wallet, Xinyi Loan-Microfinance, Xinyi Loan-Apple installment exclusive loan, education cloud installment, repayment and credit sailing. These are all loan products that can be downloaded from the APP online.
If you need to apply for a loan, you can choose according to your own needs, or you can consult the customer service of BOC Consumer Finance and let them introduce you.
What are the consumer finance loans?
Ant Flower Bank, Ping An Hewlett-Packard, China Construction Bank Consumer Finance, Micro-loan, White Strip, ICBC Rong E-loan, Haier Consumer Finance, BOC Consumer Finance, 5 1 Personality, China Merchants Bank Flash Loan, Pleasant Loan, Jiufu, Baidu, Flower Bank, Credit Wallet, User, Faithful and Rich, I'll Loan, Instant Finance.
For more information about consumer finance loans, please visit: See More.