Personal comprehensive consumption loan is a loan issued by rural credit cooperatives (rural commercial banks) to individuals for housing decoration, purchasing durable consumer goods, education, temporary living capital turnover and other purposes. Customers who apply for personal comprehensive consumption loans should have full capacity for civil conduct, a fixed residence, the ability to repay the principal and interest of loans on schedule, a credit rating assessed or recognized by rural credit cooperatives (rural commercial banks), a good reputation and the opening of personal deposit accounts in rural credit cooperatives (rural commercial banks).

1. Apply and provide the following information: ① Personal loan application; (2) Valid identity documents, household registration books and proof of marital status of the loan applicant and spouse; (3) Relevant guarantee materials shall be provided for secured loans; (4) Proof of loan use; (5) proof of repayment ability; 6. Other materials stipulated by rural credit cooperatives (rural commercial banks).

Scope of application: natural persons who meet the loan access conditions of rural credit cooperatives (rural commercial banks).