Personal consumption loans must have clear consumption purposes, which can be used for various consumption expenses of individuals and their families (excluding the purchase of houses and commercial houses), such as house decoration, car purchase, durable consumer goods purchase, tourism, marriage, education and other consumption purposes. Guarantee methods: mortgage, guarantee and credit. Loan amount: the loan amount for a single household shall not exceed 2 million yuan.
It is applicable to China citizens who have reached the age of 18 and are under the age of 60, have consumption financing needs and have full capacity for civil conduct.