Big spending. It refers to a personal loan issued by a bank to a borrower who applies to purchase "consumer goods or services for reasonable purposes". It is a RMB loan business issued by banks to individual customers for designated consumption purposes. Consumer loans refer to personal loans issued by banks to borrowers who apply to purchase "consumer goods or services for reasonable purposes." It is a RMB loan business issued by banks to individual customers for designated consumption purposes. Large consumption purposes mainly include consumer personal loans such as personal housing, cars, and general student loans.

For a comprehensive consumer loan, you must first apply for a personal credit line, the couple’s ID cards, household register, marriage certificate, income certificate, real estate certificate, etc.! When applying for a loan, you should have a legitimate occupation and stable income, have the ability to repay the principal and interest of the loan on time, and be able to provide relevant supporting documents.