Among them, durable consumer goods generally refer to household durable goods with a unit price of more than 2,000 yuan and a normal service life of more than two years (except housing and automobiles). Large durable consumer goods refer to household durable goods with a unit price of more than 3,000 yuan (including 3,000 yuan) and a normal service life of more than two years, including household appliances, computers, furniture, fitness equipment, sanitary ware and musical instruments. (except cars and houses).
The borrower must have a legitimate occupation, stable income, good credit, assets recognized by the lender as collateral or pledge, or individuals or units with sufficient compensation capacity as guarantors, repay the principal and interest of the loan and bear joint and several liabilities.
Extended data:
Payment processing flow:
1. The customer chooses the goods in the special distribution store of the bank, and fills in the installment repayment application form after the preliminary examination of the store agrees;
2. The customer shall go through the application formalities with the application form at the designated accepting institution of the bank, and attach relevant materials (such as the original household registration book, original ID card, work permit or work unit certificate, income certificate, etc.). );
3. After the approval of the bank, the bank handles the loan procedures for the borrower, signs the Personal Durable Consumer Goods Loan Contract and the Guarantee or Mortgage Contract with the applicant, and issues the Notice of Examination and Approval for the Installment Repayment of Consumer Loans to the store (if the price of the purchased goods is less than 654.38+100000 yuan, the goods purchased by the loan can be used as collateral.
4. The store informs the customer to pay the down payment and issues a cash receipt for installment payment in triplicate (the down payment is generally 20-30% of the total value of the purchased goods);
5. The store informs the customer to pick up the goods, and requires the customer to sign the Customer Receipt for Personal Durable Consumer Goods Loan when picking up the goods, and submit the receipt and commodity invoice (original) to the bank for prompt transfer;
6. The bank transfers the loan applied by the customer to the special dealer;
7. The customer will deposit the money into the bank's deposit account or credit card on time every month, and the bank will deduct the money.
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