Personal consumption loans are loans granted by banks to natural persons for personal or family legitimate consumption purposes, such as car purchase, car parking, decoration, education, bulk consumption and shopping, tourism, etc., and are generally secured by mortgage of real estate. You need to provide your personal information and proof of the specific use of funds through the counter personal loan department to apply.

generally, loan applications need to provide application materials:

1. identification materials

2. marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.

3. local residence certification materials: fixed telephone bill for any three months in the last year, or utility bill, or other materials that can prove the address

4. guarantee certification materials. If there is a * * * owner, it is also necessary to provide a statement that the * * * owner agrees to the mortgage or require the * * * owner to sign the mortgage contract. If other auxiliary guarantee methods are provided, corresponding supporting materials are required < P > 5. Proof of use: If the loan is used for car purchase/parking space, materials that can prove the authenticity of the purpose of house purchase, such as car purchase/parking space contract, subscription letter of intent, deposit receipt, down payment receipt, etc., must be submitted; If the loan is used for decoration, materials that can prove the authenticity of the decoration must be submitted, such as the property right certificate of the renovated property, renovation contract, advance payment receipt, etc. If the loan is used for educational purposes, it is required to submit proof of admission, such as the Admission Notice issued by the school or similar proof

6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account running water or personal tax bill, etc.