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, paying utilities, transportation and other basic expenses of daily life.

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.

Three ways of personal consumption loan

Personal consumption loans are being accepted by more and more people, especially young people, who can realize their wishes through personal consumption loans. So what are the ways to apply for personal consumption loans now?

1, bank

Banks are the way most people apply for consumer loans. Banks can generally apply for consumer loans for decoration, car purchase, study abroad, and purchase of large consumer goods.

2. Consumer finance companies

Consumer finance companies refer to non-bank financial institutions that provide loans for the purpose of consumption for Chinese residents. Consumer finance companies can provide loans for personal consumption expenses such as home appliances, tourism, wedding, education and decoration, but they cannot provide housing loans;

3. credit card installment payment

At present, credit cards basically have installment function, and individuals can apply for installment repayment after spending by credit card.

Handling process of personal consumption loans of banks or consumer finance companies:

(1) The borrower shall fill in the application form at the loan handling outlet with the information required by the lender (generally including ID card, real estate license, marriage certificate, etc.). ), the bank conducts qualification examination on the borrower to confirm whether the borrower meets the application conditions;

(2) After the application is approved, sign a loan contract with the bank or consumer finance company;

(3) The borrower can draw the loan at any time within the validity period and amount agreed in this contract.

(4) After the loan expires, the borrower shall repay the loan principal and interest as agreed. After paying off the principal and interest, the loan contract is automatically terminated.

4. Advantages and disadvantages of three ways of personal consumption loans.

Banks have higher requirements for borrowers' qualifications, complicated procedures, strict approval of quotas, and generally lower quotas. However, the interest rate of consumer loans provided by banks is low, there is no fraud, and there is no need to worry about falling out of the pit;

Consumer finance companies have lower requirements for borrowers' qualifications, higher loan quotas and, of course, higher interest rates. In addition, consumer finance companies in the market are mixed, and some of them are put in the name of consumer loans. Borrowers need to be carefully screened to avoid falling into the pit;

Credit card installment is the simplest way of consumer loans. You can apply for installment repayment after swiping your card. However, the interest rate of credit card installment is slightly higher than that of bank consumer loans, and there may be other fees such as handling fees.

What kind of loan is financial consumption?

Consumer finance is actually a modern financial service model that provides consumer loans to consumers. There are many related consumer finance institutions in the market, such as Gitzo Consumer Finance, Yin Bei Consumer Finance and Xingye Consumer Finance. The details are as follows:

1, Gitzo Consumer Finance: You can search related applets and official WeChat accounts on WeChat. From the introduction of the platform, we know that Gitzo's products are staged, and some are as low as 0 down payment and 0 interest, which can be applied through ID cards and bank cards.

2. Consumer Finance in Yin Bei: You can search the official account of "Yin Bei Consumer Finance Company" WeChat, where you can enjoy the loan service. There are many options, such as education e-payment, decoration e-payment, rental e-payment, travel e-payment, auto insurance e-payment, and easy e-payment. You can register your own information and apply for a loan by logging in to the relevant website.

3. Xingye Consumer Finance: There are family consumption loans, talent development plans and career plans under Xingye Consumer Finance. Among them, family consumption loans belong to family loans, with a maximum personal loan amount of 200,000 yuan and a loan period of three years, without mortgage or guarantee. As for the annual loan interest rate, IRR is between 13.2%-23.4%, equivalent to 6.8%-63.4%.

Financial consumption is the behavior that people enjoy the services provided by financial institutions and buy the goods provided by financial institutions to meet their own consumption needs.

(1) the right to choose consumption, that is, the ability to decide whether, when and how to make financial consumption, that is, financial consumption is not subject to unreasonable interference and coercion by any unit or individual;

(2) The right to obtain information refers to the right to obtain financial-related knowledge, policies and relevant rules and regulations in financial consumption, such as whether there is interest on deposits in financial institutions, how high the interest is, how to calculate the interest, and how to handle account opening and transfer procedures. All these financial institutions not only have the obligation to provide voluntarily, but also should be true and transparent in their daily income and expenditure and losses;

(3) Equal trading rights, that is, transactions between financial institutions and consumers must follow the principles of justice, fairness, honesty and credit, and belong to contractual relationships (whether tangible or intangible). In the contractual relationship, it is not allowed to formulate clauses that evade obligations and violate justice, and it is not allowed to force consumers to accept services that they are unwilling to accept (such as how much balance the deposit must maintain and how much the loan must be deposited in our office);

(4) the right of confidentiality, that is, to ensure that consumers' financial assets are not disclosed or infringed;

(5) the right to seek help. If the financial assets of financial consumers are leaked and infringed, consumers have the right to demand compensation and legal aid from the other party, such as defrauding deposits, stealing credit cards, misappropriating loans and stocks, etc., which are all violations of consumers' rights and interests.

This concludes the introduction of the differences between financial loans and consumer loans and financial loans and consumer loans. I wonder if you have found the information you need?