Personal comprehensive consumption loans refer to RMB-guaranteed loans issued by banks to borrowers who do not have specific consumption purposes.
Customers apply for loans from banks in the form of "consumer goods or services for reasonable purposes", which mainly include personal housing, cars, general student loans and other consumer personal loans.
The longest loan period is no more than 20 years (taking personal housing mortgage loans as an example, the longest term of commercial loans is generally 20 years); At the same time, it is necessary to provide property mortgage, pledge or third-party guarantee recognized by the loan bank (some banks only accept mortgage or pledge) as loan guarantee conditions.