There are many cases of personal comprehensive consumption loans' selling dog meat by hanging sheep's head', which is explicitly prohibited by the CBRC. So, what are the uses of personal comprehensive consumer loans?
It is understood that the uses of personal comprehensive consumer loans include: house decoration, purchase of parking spaces, purchase of various large-scale durable consumer goods, travel, study abroad, children's marriage, medical care, purchase of large life insurance and other personal consumption.
According to the nature of personal comprehensive consumption loans, it must be "earmarked". The CBRC clearly stipulates that personal consumption loans "shall not be used in consumption fields such as house purchase and investment". However, it has become a common phenomenon that consumer loans are "used for other purposes" because of the lax pre-examination of bank consumer loans, matchmaking by intermediary companies and secret help from decoration companies.
Second, the comprehensive personal consumption loan interest rate of Sichuan Rural Commercial Bank
The comprehensive personal consumption loan interest rate of Sichuan Rural Commercial Bank is 0.9%~2.0. The personal loan interest rate of Sichuan Rural Credit Cooperatives is 4.68%~ 10.53%. Rural credit cooperatives have certain discounts, such as tellers or customer service.
Letter of credit clause
Have the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no clearly recognized repayment plan, except for natural persons and enterprise legal persons who do not need to be approved and registered by the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures.
Rural credit cooperatives have opened a basic account or general deposit account and deposited it in the account; Voluntary acceptance of credit and settlement supervision and inspection by lending institutions can ensure regular submission of business plans to lending institutions.
3. What is the comprehensive household consumption loan of Minsheng Bank and how to handle it?
Handling of comprehensive household consumption loans:
Our comprehensive household consumption loans are granted to natural persons, and the loans can be used to purchase large quantities of durable consumer goods, house decoration, tourism, education and so on. You need to apply for a loan at the counter with the pledge approved by our bank. Because consumer loans have the characteristics of branches, the projects and implementation policies of each branch are different. Please contact the nearest branch for consultation and handling.