1. Credit loan: A party can apply for a personal loan from a bank based on the information that he has good credit and repayment ability;

2. Mortgage loan: After the mortgage registration of collateral is completed, the parties can sign a mortgage loan contract with the bank, and the bank will release the loan to the designated account.

legal ground

Article 11 of the Interim Measures for the Administration of Personal Loans

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Personal consumption loan of China Industrial and Commercial Bank:

Banks provide RMB loans to individual customers for designated consumption purposes, including the following four types:

1) ICBC Financial E-loan is a credit consumption loan of ICBC, which can only be used for personal consumption without mortgage guarantee.

2) Individuals: that is, loans applied by lenders with their own time deposits, national debt and other products as security.

3) Personal loan for studying abroad: The loan granted by China Industrial and Commercial Bank to the borrower is mainly used to pay the tuition and fees, living expenses, accompanying fees and other expenses required by the borrower or his immediate family members during their study abroad.

4) Personal home consumption loan: it can be used to decorate houses, buy house decoration materials, durable consumer goods and other large consumer goods, which can be recovered upon application or returned with the loan.

5) Personal cultural consumption loan: it can be used for personal education and training, travel, wedding, beauty and fitness, club membership activities and other cultural consumption, and can be recovered once applied.

Excuse me, what are the rules for the use of personal consumption loans in China Bank?

Provisions of Bank of China on the Use of Personal Consumption Loans:

You should submit the loan materials. The use of funds below the quota shall be handled by the original agency, and the use of funds shall be submitted one by one, and the following materials shall be provided before use:

1. Proof of loan use: invoices, contracts and other relevant supporting materials for purchasing goods; In view of the special circumstances of providing the loan purpose description, the borrower shall ensure the legality of the loan purpose, and shall not violate the relevant laws and regulations and the relevant provisions of the People's Bank of China and the China Banking Regulatory Commission on the use of personal loans, and shall not arbitrarily misappropriate them.

2. According to the Interim Measures for the Management of Personal Loans issued by the CBRC, the borrower shall provide effective counterparty account information, etc. by adopting entrusted payment. To meet the conditions of independent payment, you need to submit personal account information.

3. If the time interval between the use of funds and the amount of funds is more than six months, the latest income certificate and supporting materials shall be submitted. Specific to the requirements of the organization.

4. Other materials required by the organization.

Due to differences in business in individual regions, please consult our acceptance outlets or call our customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions) for details.

The above contents are for your reference. Please refer to the actual business regulations.

What are the specific conditions for personal consumption loans of Bank of China?

Conditions for handling personal consumption loans of China Bank:

1. To apply for personal consumption loan, you must meet the following basic conditions:

(1) A natural person who has reached the age of 18 and has full capacity for civil conduct.

(2) People's Republic of China (PRC) citizens, including Hong Kong, Macao and Taiwan residents who have worked continuously in People's Republic of China (PRC) for 1 year or more, hold valid identity documents that meet the regulatory requirements, and have a fixed residence in China. Hong Kong, Macao and Taiwan residents should own their own property in the place where the loan is applied.

(3) It has a continuous and stable income source, and has the ability and willingness to repay the loan principal and interest on schedule.

(4) The credit status is good, and there is no bad credit record among banks and peers in China.

(5) To apply for personal mortgage consumer loans, collateral recognized by China Bank should also be provided as loan guarantee.

(6) Before handling personal consumption loans, you need to open a deposit account with BOC.

(seven) other conditions stipulated by laws and regulations, regulatory agencies and China bank agencies.

2. Those who apply for unsecured personal consumption loans should also belong to the following customer groups:

(1) Employees with relatively stable wages or labor income. Mainly for official employees of state organs and key enterprises and institutions; Professional and technical personnel, such as lawyers and certified public accountants. In principle, the borrower's work experience should be 6 months or more.

(2) Self-employed individuals with a continuous and stable source of operating income (with an operating life of 2 years or more).

(3) Personal high-end customers, including BOC wealth management customers, BOC wealth management customers and private banking customers of Bank of China.

Due to the differences in business in individual regions, please consult the bank branch for details. You can also enter the bank's online customer service manual service and call the bank's customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan) for consultation.

The above contents are for your reference. Please refer to the actual business regulations.

How to handle personal consumption loans?

1. Conditions of mortgage loan:

1, at least 22 years old;

2. Hold a valid ID card;

3. No bad credit record;

4. Have a fixed work certificate;

5 proof of income stamped with the financial seal of the unit;

6. Property right certificate.

Two. Conditions for handling credit loans:

1, age18;

2. Hold a valid ID card;

3. No bad credit record;

4. Have a fixed work certificate;

5 proof of income stamped with the financial seal of the unit;

6. Other financial certificates, such as real estate, automobiles, stocks and bonds. ;

7. Social endowment insurance certificate;

8. Provide two contacts.

You must meet the first five conditions before you can apply for a credit loan.

Extended data:

Personal consumption loan application process:

1. The borrower shall fill in the application form at the loan handling office with valid ID, pledge, mortgage certificate and guarantor's guarantee. After investigating the borrower's guarantee and credit, the bank will reply to the borrower within 15 days.

2. After the borrower's application is approved, it shall sign a loan contract and corresponding guarantee contract with the bank.

3. During the validity period of the credit line and the available credit line, the borrower can use it at any time. When using it, he has to fill in an IOU to use a single loan. The bank will transfer the loan funds into the account agreed in the contract.

4. The borrower can recycle the loan within the validity period of the credit line, and the available credit line is the difference between the credit line approved by the bank and the principal balance of each loan under the credit line. After the borrower withdraws the loan every time, the available amount will be deducted accordingly, and after the borrower repays the loan principal every time, the available amount will increase accordingly.

5. Before the limit expires, the borrower shall pay off all the loan principal and interest under the limit, and go through the formalities of mortgage and pledge registration cancellation at the bank within 20 days after paying off the loan principal and interest, and the loan contract signed between the borrower and the bank will automatically terminate.