Bank consumption loans are loans issued by banking institutions to consumers for purchasing durable consumer goods or paying for other consumption. For example, house decoration, automobiles, furniture, color TVs, refrigerators, computers, etc. You can even apply for a bank loan for travel and vacation, further study, car purchase, wedding, decoration, medical care and other fields. /Hui You/New Generation. shtml

2. What is the personal financial service of China Bank?

Personal financial customer service of banks refers to the professional services such as financial analysis, financial planning, investment consultant and asset management provided by banks to individual customers by taking advantage of outlets, technology, talents, information and funds. The main services include:

① Personal assets business: mainly refers to personal consumption credit business, that is, loans and credits provided by banks to consumers in the form of money or contracts for purchasing goods or services.

② Personal debt business: mainly refers to savings deposit business.

(3) Personal intermediary business: mainly refers to the business that a bank acts as an intermediary to handle entrusted matters such as down payment for individual customers without using or using its own assets, and provides various financial services and charges, including personal settlement business, personal wealth management business, third-party depository business, bank card business, agency fund, insurance, national debt business, personal wealth management business, personal foreign exchange business, personal information service business and personal precious metal business.

3. What can BOC's personal consumption loan be used for?

Bank of China's personal consumption loan can be used for all legitimate personal consumption expenses, but it does not include house purchase, production and operation, personal expenses without specific purposes and any use (including stock and securities investment) prohibited by laws, regulations, regulatory provisions and national policies. ). Due to the differences in business in individual regions, please consult and accept BOC outlets or call BOC customer service hotline 95566 for manual service for details. The above contents are for your reference. Please refer to the actual business regulations.

4. Is the Bank of China's personal car loan interest rate high?

The personal car loan interest rate of China Bank is not high. Generally, the loan interest rate of China Bank is 65438+3.5% for 02 months, 7% for 24 months and 36 months 1 1%.

For office workers, China Bank's car loan should require local license plates, and the vehicle valuation should be no less than 65,438+10,000. Of course, the above interest rates are for reference only, and the conditional interest rates of BOC car loans may vary from place to place. You can contact their staff for consultation before you apply for a car loan.