1. Personal consumption loans refer to RMB loans issued by banks to individual customers with designated consumption purposes, which are mainly used for personal housing, automobiles, general student loans and other consumer personal loans;

2. Personal business loans refer to loans issued by banks to borrowers for their working capital turnover, purchasing or updating business equipment, paying the rent of leased business premises, decorating commercial houses and other legitimate production and business activities.

If you want to distinguish other differences, there are the following points:

1, and the application conditions and relevant supporting materials are different;

Personal consumption loan application conditions:

1. A natural person with full capacity for civil conduct, and the applicant is over 18 years old, and the maturity date of the loan is generally not over 55 years old;

2. Having a permanent residence in the town where the loan bank is located or a valid residence status;

Three, a legitimate and stable income, good credit, the ability to repay the principal and interest of the loan;

Four, there is a clear intention to consume or have signed relevant consumption contracts;

5. Can provide a guarantee recognized by the lender.

Personal business loan application conditions:

The target is China citizens (excluding Hong Kong, Macao and Taiwan residents) who meet the bank's personal business loan policy and have full civil capacity, including individual industrial and commercial operators, major partners of sole proprietorship/partnership/limited liability companies or major natural person shareholders.

1. 18 years old but under 60 years old, has a fixed residence within the jurisdiction of the branch, and has a certificate of fixed residence or valid residence;

Two, the borrower and its business entities have good credit and stable operating conditions;

3. Other conditions stipulated by the relevant bank.

Second, the loan amount is different:

The maximum personal consumption loan is 500,000 yuan, with the price of purchased consumer goods or services as the upper limit, and the corresponding loan guarantee is provided; The operating loan amount is higher: for example, the loan amount of China Merchants Bank's personal operating loan can reach up to 30 million; China Industrial and Commercial Bank is 6,543,800 yuan;

Third, the loan term is different:

The longest loan period of personal consumption loans can reach 5 years; The longest credit for personal business loans can reach 10 years, and the longest credit for a single loan can reach 5 years.

(Beijing, Hebei, Langfang, professional loans, interest as low as 5%. There is no limit, from 1 ten thousand to 1 ten thousand, as long as you want to borrow it)