Types of personal consumption loans 1. Personal mortgage loan: refers to an individual applying for a loan from a bank when purchasing a house (commercial house). 2. Automobile consumption loans: Automobile consumption loans are RMB loans issued by banks to car buyers who buy cars at special dealers. 3. Personal housing renovation loan: residents apply for loans from banks to decorate their own houses. 4. Large-sum durable consumer goods loan: refers to the loan that the borrower applies to the bank to purchase large-sum durable consumer goods. Large durable consumer goods refer to household durable consumer goods with a unit price of more than 3,000 yuan (including 3,000 yuan) but less than 65,438+10,000 yuan (excluding 65,438+10,000 yuan) and a normal service life of more than two years, including household appliances, furniture, fitness equipment and musical instruments. 5. Personal loans for studying abroad and working: 1 > Personal loans for studying abroad refer to RMB loans granted by banks to borrowers for the deposits, tuition fees and living expenses (including overseas travel expenses) needed by the educated to study in college preparatory courses, universities or master's or doctoral degrees abroad. It can be divided into study abroad deposit loans before obtaining a visa to go abroad and study abroad education loans after obtaining a visa to go abroad. Among them, the study abroad deposit loan is a loan for the funds needed by the educated to study abroad. 2 > Personal loan for working abroad: refers to when a state employee applies for a loan from a bank. 6. Loans for children's schooling: When residents apply for loans for children's schooling. 7. Personal business loans: refers to loans granted to banks by individual industrial and commercial households or sole proprietorship enterprises for the needs of production and operation turnover. Through the above introduction, I believe everyone has a certain understanding of the types of personal consumption loans, and personal consumption loans are closely related to our lives like credit cards. Of course, different types of personal consumption loans are also different, no matter from the aspects of interest rate, conditions, required materials, consumption purposes, processing period and so on. Therefore, if a friend wants to apply for a personal consumption loan, it is better to integrate various factors and finally choose the loan type that suits him best.
What kinds of personal consumption loans are there?
Personal consumption loans, also known as consumer loans, are RMB loans issued by banks to individuals for purchasing durable consumer goods or paying other expenses with designated consumption purposes. Personal consumption loans mainly include housing, automobiles, large durable consumer goods, agricultural machinery, house decoration, tourism, student assistance, and maximum revolving loans.
auto loan
Loans issued by lending institutions to borrowers for purchasing automobiles and engineering vehicles that meet the registration conditions of public security departments (vehicle management offices).
(2) Education loan
Generally refers to the national student loans and general student loans. National student loans refer to loans granted to college students who meet the conditions of central and local financial interest subsidies; General student loans refer to commercial loans issued to students in colleges and universities and new students, as well as on-the-job further study, re-employment training and students studying abroad.
(3) Agricultural loans
Loans for agricultural machinery and equipment with a normal service life of more than 3 years, which are issued to borrowers by lending institutions and applied to special dealers for purchase, including equipment such as cultivated land, sowing, irrigation and drainage, harvesting, etc.
Large durable consumer goods loan
Borrowers purchase loans from dealers for household durable consumer goods, including household appliances, computers, furniture, fitness equipment, kitchen utensils, sanitary ware, musical instruments, etc.
(5) Housing renovation loans
Urban individual housing renovation loan.
(6) Tourism consumption loans
Loans granted to borrowers to participate in travel expenses of travel agencies.
What are the personal consumption loans?
Personal consumption loans are generally divided into the following categories:
1, personal short-term credit loan. It is a RMB credit loan issued by the lender to solve the temporary needs of the borrower who handles the payroll business. The term is within one year, and the amount is between 2000 and 20000 yuan, which is not more than 6 times of the borrower's monthly salary, and no guarantee is needed. General loans cannot be extended.
2. Personal comprehensive consumer loans. It is a RMB loan issued by the lender to the borrower for unlimited specific consumption purposes, with the effective rights recognized by the lender as collateral or legal and effective real estate as collateral. The loan amount is 2,000 to 500,000 yuan, and the term is six months to three years.
3. Personal travel loans. It is a RMB loan issued by the lender to the borrower to pay the travel expenses, with the effective rights recognized by the lender as the pledge guarantee, or with the unit or individual with compensatory ability as the guarantor to repay the loan principal and interest and bear joint and several liabilities. The loan amount is 2,000 to 50,000 yuan, the term is 6 months to 2 years, and the down payment is not less than 30% of the actual quotation of the tourism project.
4. National student loans. It is also divided into general student loans and loans for poor students. It is a special RMB loan issued by the lender to full-time college students with financial difficulties to pay tuition and living expenses, and the education department sets up a "special account fund for student loans" to give discount.
5. Personal car loan. It is a special RMB loan issued by the lender to the borrower who buys a car at a special dealer. It is used to buy a car. The right recognized by the lender or the unit or individual with compensatory ability is used as the guarantor to repay the principal and interest and bear joint and several liabilities. The down payment is deposited in the loan bank, and the maximum loan amount is 70% of the car payment, and the longest period is no more than 5 years.
6. Personal housing loan. It is a special RMB loan issued by the lender to the borrower to purchase self-occupied ordinary houses or self-built houses for urban residents, and deposit the down payment in the bank by means of mortgage, pledge or guarantee recognized by the lender. The maximum loan amount is 70% of the house price and the longest term is 30 years. Individual housing loans are divided into individual housing loans, entrusted individual housing loans and individual housing portfolio loans.
Personal consumption loans include
Personal consumption loans include house purchase, car purchase, student loans, house decoration, bulk consumption shopping, tourism and so on. These projects can apply for loans, and different loan types need different loan conditions. The borrower can consult the bank in advance when handling it.
When handling a personal consumption loan, the borrower must be at least 18 years old, have full capacity for civil conduct, submit a work certificate, have the ability to repay the loan on time every month, and have good credit information; Most personal consumption loans need to pay more interest, so pay attention when lending.
In addition to buying a house, other consumer loans are not very high, and the loan time is also limited. The user must repay the loan within the specified time. If it is overdue, there will be a penalty interest, and the overdue record will be uploaded to the credit information center. At this time, personal credit will be bad, and it will be difficult to apply for a loan in the future.
After the loan is made, the repayment date is generally one month after the loan date. After the loan is issued, the bank will notify the borrower by SMS, and then the borrower can repay the loan according to the agreed time. Common repayment methods include equal principal and interest and average capital. The specific repayment method can be determined according to personal income.
What is a personal consumption loan? These can be applied!
Many banks and financial institutions have many credit products, among which consumer loans are the most popular ones, which are closely related to people's lives after all. So what is a personal consumption loan? You can also submit an application if you have relevant needs, which can quickly solve the funding problem.
1. Personal comprehensive consumption loan.
Personal comprehensive consumption loan is a RMB loan issued by the lending institution to the borrower for unlimited specific consumption purposes, which is guaranteed by the effective right pledge recognized by the lender or can be mortgaged by legal and effective real estate.
2. Personal car loan.
Personal car loan is a special RMB loan issued by a lending institution to borrowers who buy cars at special dealers. For the purchase of a car, the right pledged by the lender or a unit or individual with compensatory capacity serves as the guarantor to repay the principal and interest and bear joint and several liabilities, and the down payment of the car is deposited in the loan bank.
3. National student loans.
National student loans are divided into ordinary student loans and poor student loans. They are special RMB loans issued by lenders to full-time colleges and universities with financial difficulties, which are used to pay tuition and living expenses, and the education department subsidizes the establishment of "special account funds for student loans".
4. Personal travel loans.
Personal travel loan is a RMB loan issued by the lending institution to the borrower to pay the travel expenses. The effective rights recognized by the lender are used as pledge guarantee or units or individuals with compensatory ability are used as guarantors to repay the loan principal and interest and bear joint and several liabilities.
5. Personal credit loan
Many banks have credit loans. Users can get a quota as long as they authenticate their personal information. The application will be reviewed and will be received immediately after it is approved.
The introduction of products included in personal consumption loans ends here.