Personal loans are provided by lenders (general commercial banks) to individual consumers or households. The loan interest is stipulated and the principal and interest are repaid on schedule. They are used to purchase self-occupied housing, consumption or small amounts. Loans for investment operations. The personal loans provided by various banks are different, and generally include the following types: personal housing loans, personal automobile consumption loans, personal durable consumer goods loans, personal business loans, personal valuable document pledge loans and personal small credit loans. .