Consumer loans, also known as consumer loans, are RMB loans issued by banks or other financial institutions to consumers with specific consumption purposes, which are mainly used for individuals to buy durable consumer goods such as houses and automobiles. Generally speaking, if you have the following basic conditions, you can apply for a consumer loan:

1, aged between 2 1 and 60 years old, with full civil capacity;

2. Have a permanent residence or valid residence certificate;

3. Have a stable job and a source of income for repayment of loan principal and interest;

4. Personal credit record is good and there is no record of non-performing loans.