Personal consumption loans mainly include personal housing, cars, general student loans and other consumer personal loans. Personal consumption loan refers to the RMB loan business with designated consumption purposes issued by banks to individual customers. Personal consumption loans refer to personal loans issued by banks to borrowers who apply for purchasing consumer goods or services for reasonable purposes. Personal comprehensive consumer loans refer to RMB guaranteed loans issued by banks to borrowers without restricting specific consumption purposes. Personal consumption loans are conducive to expanding domestic demand and promoting economic growth; Conducive to the balance between supply and demand in the market; It is conducive to effectively dispersing the operational risks of banks; It is conducive to optimizing the structure of bank credit assets and improving operational efficiency. Application conditions for personal consumption loan: 1, a natural person with full civil capacity, the applicant is over 18 years old, and the maturity date of the loan is generally not more than 55 years old; 2. Having a fixed residence or valid residence status in the town where the loan bank is located; 3. Have legal and stable economic income, good credit and the ability to repay the principal and interest of the loan; 4. Have a clear intention of consumption or have signed relevant consumption contracts; 5. Can provide a guarantee recognized by the lender. Personal consumption loans have the following characteristics: 1, and there are many types of personal consumption loans; 2. Consumers have a wide range of uses; 3. The loan amount is high; 4. Flexible loan term; 5. Various forms of guarantee; 6. The loan risk is dispersed. Notes on personal consumption loan: 1. Information should be filled in accurately. When handling consumer loans, you should accurately fill in the address, ID number, contact information and other information. If there are any subsequent changes, please inform the loan bank in time; 2. Be careful about the repayment method. When choosing the repayment method, you should fully consider your repayment ability and future expected income, and choose the repayment method that suits you best; 3. Read the contract carefully. Before signing a loan contract, please read the terms of the contract carefully and fully understand your rights and obligations; 4. Repayment should be timely; 5. The procedure should be formal.

Second, why can't consumer loans be credited to their own accounts? There are these reasons!

With the increase of people's income, the desire for consumption is increasing day by day. For ordinary users, decoration, marriage, education, medical care, travel, and buying a car are not small expenses. If there is a stable income, consumer loan funds are generally paid to third parties and will not be paid directly to their own accounts.

1. Why can't the consumer loan be credited to my account?

The main reason is to prevent borrowers from misappropriating funds. Borrowers apply for consumer loans, and then use the funds for illegal activities such as stock trading, investment and wealth management, and even gambling.

Many banks have regulations. For example, ICBC's comprehensive consumer loan cannot be directly credited to the applicant's account name. Generally, the borrower can only apply for a third-party institution with bank cooperation, and the loan can be paid by the borrower without payment.

Second, the purpose of consumer loans.

There are mainly the following categories:

1, buy big durable goods or luxury goods. Many young people want to buy expensive goods, but they are not enough, so they will choose to buy cars, digital appliances, jewelry and so on.

2. Get married. Getting married now costs a lot of money, ranging from tens of thousands to tens of millions. You can also choose to apply for a consumer loan to pay for some large expenses.

3. Education. Whether it is for office workers to improve their re-education or to send their children to study abroad, consumer loans can solve the problem.

4. Travel. At present, some popular scenic spots, which take a long time to play and cost a lot, can also use consumer loans. Third, why do many people like to apply for consumer loans?

To apply for a personal consumption loan, you must first provide a valid personal identity certificate, including a copy of the original personal identity card, a copy of the original spouse identity card, and a valid residence certificate of the local permanent residence;

Secondly, in order to prove the repayment ability in the future, you need to provide proof of income, proof of work, insurance policy, tax bill and bank flow to apply for consumer loans;

In addition, if the loan is obtained by mortgage or pledge, the borrower shall also provide the mortgage list, ownership certificate and pledge ownership certificate; If it is guaranteed by a third party, it shall also provide the written guarantee certificate of the guarantor and the personal repayment ability certificate of the guarantor; Finally, the applicant also needs to provide personal credit report. If there is a bad record in the credit report, it will be difficult to apply for a loan from a bank or a bank-related institution.