Not more than 70% of the total consumption. According to China Travel. Com, personal consumption loan refers to the loan that the borrower applies to the bank when purchasing other items, such as personal car purchase loan, personal decoration loan and student loan. Consumer loan applicants must have a contract or agreement to purchase consumer goods, or have personal consumption needs such as education and tourism. The loan amount shall not exceed 70% of the total consumption in principle; There is a mortgage or pledge guarantee approved by the Bank of China, or a unit or individual with sufficient compensation capacity as the guarantor.