This problem is problematic. The first question is: short-term, medium-term and long-term. I guess you will say that I didn't say this answer. Every bank has different standards, so it depends on which bank you are asking.

Small credit loan? Personal? Personal small short-term credit loans refer to RMB credit loans with a term of less than 1 year and an amount of less than 20,000 yuan, which are used to solve the temporary consumption needs of borrowers without guarantee.

The use depends on the bank you ask. Some commercial banks have no restrictions. For example, the provisions of rural credit cooperatives are:

Small credit loans for farmers must be used for the following purposes?

1. Loans for agricultural production expenses such as planting and aquaculture;

2. Agricultural machinery loans;

3. Pre-natal, mid-natal and post-natal service loans around agricultural production;

4. Consumer loans such as purchasing daily necessities, building houses, treating diseases and sending children to school.