The correct answers are: A, B, C, D. Analysis of the answers: [Fees loans granted by banks to individuals include: personal car loans, personal education loans, personal durable consumption funds, personal travel consumption loans, personal medical consumption loans and personal business loans.
2. What are the types of personal consumption loans?
Hello, China Merchants Bank's personal consumption loan is a loan issued by our bank to natural persons for personal or family legitimate consumption purposes such as car purchase, decoration, education, bulk consumption shopping and tourism. And generally need real estate mortgage. You need to provide your personal information and proof of the specific use of funds, and apply through the counter personal loan department.
3. What is a personal consumption loan? Explain the basics of consumer loans.
Personal consumption loan refers to the RMB loan business issued by banks to individual customers with designated consumption purposes, which is mainly used for consumer personal loans such as personal housing, automobile and general student loans. The loan period of personal consumption loans shall not exceed 20 years at the longest.
The application conditions for personal consumption loans include the following: the borrower must be a natural person with full civil capacity, aged 18, and generally not over 55 years old; The borrower must have a permanent residence or valid residence status in the town where the loan bank is located; Have a legal and stable economic income, good credit and the ability to repay the principal and interest of the loan; The purpose of the loan requires a formal application for personal consumption loans, and valid identity documents, household registration certificates, marital status certificates and personal income certificates are required. There must also be corresponding materials or documents to confirm the consumption behavior, including sales contracts, agreements or other valid documents. In addition, an application form for personal consumption loan obtained from the sales outlets of the applicant bank should be provided. Of course, different banks require slightly different materials.