According to statistics, more than 80% of personal consumption loans in Chinese mainland are mortgage loans, while mortgage loans in other major countries and regions only account for 50%~75%. This means that other types of consumer credit, such as loans to buy cars or durable consumer goods, still have room for expansion. In particular, the high level of housing mortgage loans in mainland consumer credit shows that the development of mainland consumer credit market is extremely unbalanced and the overall level is backward. After more than ten years of development, the consumption pattern of personal consumption loans has been accepted by everyone. Sheng Jie (Beijing) Investment Management Co., Ltd. was established in 2003 as a short-term investment and personal consumption loan company of comprehensive enterprises in Beijing. Over the past eleven years, it has worked closely with many outstanding state-owned, foreign-funded and private enterprises, covering a wide range of fields.

Second, the difference between real estate mortgage, commercial loan and personal consumption loan?

Hello! Both are real estate mortgage loans, commercial loans and personal consumption loans. First of all, personal consumption loans are generally used for decoration, and corporate loans are generally used to purchase public equipment. At the same time, the loan amount is also different. The commercial loan amount of enterprises is usually large, and the bank assessment focus of individual consumer loan banks is different, and the requirements for enterprise audit are relatively strict; The bank loan policy is different. For details, please refer to Shanghai Investment and Finance ~ ~ View the original post >>

3. What's the difference between personal consumption loans and commercial loans?

Personal consumption loans refer to loans that apply for large consumption from banks in the name of individuals, generally referring to travel, study abroad, decoration, purchase of furniture, electrical appliances, or luxury goods. Personal business loan is a loan applied to the bank in the name of an individual for the operation of the company. The main difference is the purpose of the loan and the requirements for the borrower. The former can be the employee class or the business owner to provide the bank's running water and income certificate, while the latter must be an enterprise legal person or shareholder, which requires the enterprise to have certain qualifications and must be a company that operates normally. It is necessary to provide the upstream and downstream purchase and sale contracts, warehousing orders, inventory, etc. of the company to prove the normal operation of the company, as well as financial statements. Corporate loans are troublesome, so personal consumption is recommended.