Credit loans can only be used for personal consumption purposes (including car purchase, decoration, teaching materials, bulk shopping, tourism, etc.). ), and you need to provide proof of use when applying, because the collateral review is strict.

Personal consumption loans are loans issued by banks to natural persons for personal or family legitimate consumption purposes, such as car purchase, parking, decoration, education, bulk consumption shopping, tourism and so on. , generally secured by 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.

Generally, commercial housing is used as collateral, and the mortgage rate shall not exceed 70% of the present value of real estate appraisal; Where commercial houses are mortgaged, the mortgage rate shall not exceed 60% of the net value of real estate appraisal or 50% of the present value of appraisal. For educational purposes, the term shall not exceed 8 years (inclusive).