First, buy big durable goods or luxury goods. For example, buy cars, home appliances, jewelry or gold and so on. This kind of products can be preserved or used for a long time, and generally you can apply for a consumer loan.
Second, study abroad or travel. With the improvement of living standards, more and more friends choose to study abroad or travel abroad. You can apply for personal consumption loans under these circumstances.
Third, business needs. At present, many micro-enterprises want to apply for corporate loans, but they can't meet the requirements of lending institutions. Then you can choose to apply for a personal consumption loan, which is also possible.
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Personal consumption loans refer to personal loans issued by banks to borrowers who apply for purchasing "reasonably used consumer goods or services". Personal comprehensive consumption loans refer to RMB-guaranteed loans issued by banks to borrowers who do not have specific consumption purposes. Customers apply for loans from banks in the form of "consumer goods or services for reasonable purposes", which are mainly used for personal housing, automobiles, general student loans and other consumer personal loans.
The longest loan period is no more than 20 years (taking personal housing mortgage loans as an example, the longest term of commercial loans is generally 20 years); At the same time, it is necessary to provide property mortgage, pledge or third-party guarantee recognized by the loan bank (some banks only accept mortgage or pledge) as loan guarantee conditions.
Loan trap:
1. Among consumers who are willing to lend more than one price, many people choose banks according to the recommendation of intermediaries. In fact, there may be many bank loans to choose from, with lower interest and faster approval.
2. Pay attention to the invisible costs. Credit cards are very convenient, and installment payment makes many people realize their consumption dreams in advance. Many credit card holders often receive phone calls from bank customer service, asking whether large-scale consumption requires installment payment, and giving preferential conditions of "zero interest". However, zero interest does not mean zero cost. Nothing for nothing.
3. Beware of the overlord clause. Car loan is very common, and it is more common for dealers to charge car loan fees. Bundled insurance has become an industry rule.
Personal consumption loan Baidu Encyclopedia