Personal consumption loan, also known as personal credit loan, is a kind of loan service provided by banks or other financial institutions to individuals, which is mainly used to meet consumers' consumption needs, such as buying cars, home appliances, traveling and education. The following are the general conditions for personal consumption loans:

1. Age requirements: Generally, the applicant is required to be 18 years old and have full capacity for civil conduct. Some financial institutions may launch specific consumer loan products for specific groups (such as college students), and the age requirement may be relaxed.

2. Credit history: Personal consumption loans have certain requirements for the applicant's credit history. When financial institutions approve loans, they will check the applicant's credit report to understand the applicant's repayment ability and willingness. Usually, the applicant has a good credit record and no serious overdue repayment record, so it is easier to obtain loan approval.

3. Proof of income: Applicants need to provide proof of income to prove their repayment ability. Proof of income usually includes but is not limited to bank account, work certificate, social security record, etc.

4. Proof of residence: Applicants need to provide proof of residence to prove that they live in the local area. Proof of residence usually includes, but is not limited to, real estate license, rental contract, utilities, etc.

5. Proof of loan use: Applicants need to provide proof of loan use to prove that the loan will be used for legitimate and reasonable consumption purposes. Proof of loan use usually includes but is not limited to purchase contract, invoice, etc.

6. Guarantee conditions: Some financial institutions may require the applicant to provide guarantee, such as mortgage, pledge or other guarantors. Guarantee can reduce the credit risk of financial institutions and improve the success rate of loan approval.

It should be noted that different financial institutions may have different personal consumption loan conditions. Applicants should know the loan policies and requirements of financial institutions in detail when applying for loans, and prepare relevant materials according to the requirements of financial institutions. At the same time, the applicant should reasonably choose the loan amount and repayment period according to his repayment ability and consumption demand to avoid excessive debt.