1. It is different whether there is a mortgage loan or not.

1. For personal comprehensive consumption loans, you need to use real estate as collateral to obtain a credit line, and then use this loan to spend money. of goods.

2. Credit loans are unsecured and unsecured loans, and loans are obtained based on credit. One of the differences between credit loans and personal comprehensive consumer loans is that there is no guarantee of mortgage and guarantee.

2. The supporting documents submitted are different

1. For a personal comprehensive consumption loan, you must first apply for a personal credit line, the couple’s ID cards, household register, marriage certificate, income certificate, and real estate Just go to the bank to get the certificate.

2. Personal credit loans usually require a personal ID card, income certificate, employment certificate, address certificate and other qualification certificates. This is the difference between personal comprehensive consumer loans and credit loans in terms of submission materials.

3. Different loan amounts applied for

1. The loan amount that can be applied for a personal comprehensive consumer loan is usually directly related to the value of the collateral.

2. The loan amount of a credit loan is related to many aspects such as personal credit record, income status, and repayment ability.

4. Different loan application conditions

1. Personal comprehensive consumption loan

1) Have a fixed residence, permanent residence or valid residence certificate in the location of the lending bank , Chinese citizens who are under 65 years old (inclusive) and have full capacity for civil conduct.

2) 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.

3) Have a good credit record and willingness to repay, and no bad credit record.

4) Can provide legal, effective and reliable guarantee recognized by the bank.

5) There is a clear purpose for the loan, and the purpose of the loan complies with relevant regulations.

6) Open a personal settlement account at the lending bank.

7) Other conditions specified by the bank.

8) There are no bad loan records in banks and other financial institutions.

9) If a guarantee is adopted, a legal and effective pledge, mortgage or guarantee recognized by the bank can be provided.

2. Credit loans

1) Corporate customers with a credit rating of at least AA- (inclusive) or above can be granted credit loans with the approval of provincial branches of state-owned commercial banks.

2) The total profit calculated from operating income has continued to grow in the past three years, the asset-liability ratio is controlled within a good value range of 60%, and the cash flow is sufficient and stable.

3) The enterprise promises not to set up a mortgage (pledge) with its effective operating assets to others or provide external guarantees, or to obtain the consent of the lending bank before handling mortgage (pledge) and providing external guarantees. .

4) The business management is standardized and there is no bad credit record such as evasion of debts or interest arrears.

Baidu Encyclopedia-Personal Comprehensive Consumption Loan

Baidu Encyclopedia-Credit Loan