Individuals applying for consumer loans must first understand their own needs and how much loans they need. Personal consumption loans for different purposes have different loan conditions. If personal consumption is used for shopping, studying abroad, decoration, etc. The general loan amount will range from 200,000 to 300,000. If some customers have their own credit records in the bank's high-quality customers, they can consider choosing a credit loan, which can be obtained without mortgage or pledge. Personal consumption loans are not suitable for applying for credit loans if they are used for large sums of money, depending on whether their own property can be mortgaged or pledged; If yes, you can choose working capital loans, personal business loans and so on. A lender reminded that when choosing personal consumption loan products, it is best to find more banks or financial lending institutions to compare the business efficiency, service quality and price of personal loans. This will ensure that you can borrow easily.

Two, consumer finance companies shall not exceed the maximum amount of consumer loans to individuals.

200,000 yuan. According to the regulations, the maximum amount of consumer loans issued by consumer finance companies to individuals shall not exceed 200,000 yuan. Consumer loans, also known as consumer loans, mainly refer to personal loans for studying abroad, house decoration and buying durable goods, that is, buying a car.

Third, how much can a personal loan be borrowed?

I don't know, Baidu knows.

4. What is the maximum loan for personal consumption?

The maximum amount is 500,000 yuan, with the price of purchased consumer goods or services as the upper limit, and the corresponding loan guarantee is provided. Personal consumption loans can be loaned for five years at the longest, but personal loans in general banks are basically three years. Unless the personal qualifications are good, they can be loaned for five years.

Personal loan application conditions: 1, a legal resident with full capacity for civil conduct. 2. Have a stable legal income and the ability to repay interest. 3. Other conditions required by the lending bank. 4. For bank loans, the age of the lender is generally between 18-60 years old.

Extended data

Personal consumption credit refers to the credit provided by banks or other financial institutions to individual consumers in the form of commodity currency through credit, mortgage, pledge guarantee or guarantee.

Consumer credit is divided into buyer's credit and seller's credit according to different loan objects. Buyer's credit is a loan issued to consumers who buy consumer goods, such as personal travel loans, personal comprehensive consumption loans and personal short-term credit loans.

Seller's credit is a loan secured by installment payment documents issued to enterprises selling consumer goods, such as individual, individual housing loan, individual car loan, etc. According to the different guarantees, it can be divided into mortgage loan, guarantee loan and credit loan.