1, which has the characteristics of wide consumption purposes, high loan amount and long loan period.

2. High risk, high return, periodicity (long-term) and interest rate insensitivity.

Second, the types of personal consumption loans

1, personal mortgage loan: refers to an individual applying for a loan from a bank when purchasing a house (commercial house).

2. Automobile consumption loans: Automobile consumption loans are RMB loans issued by banks to car buyers who buy cars at special dealers.

3. Personal housing renovation loan: residents apply for loans from banks to decorate their own houses.

4. Large-sum durable consumer goods loan: refers to the loan that the borrower applies to the bank to purchase large-sum durable consumer goods. Large durable consumer goods refer to household durable consumer goods with a unit price of more than 3,000 yuan (including 3,000 yuan) but less than 65,438+10,000 yuan (excluding 65,438+10,000 yuan) and a normal service life of more than two years, including household appliances, furniture, fitness equipment and musical instruments.

5. Personal loans for studying abroad and working:

1 > Personal loan for studying abroad: refers to the RMB loan granted by the bank to the borrower for the deposits, tuition fees and living expenses (including overseas travel expenses) needed by the educated to study in pre-university or university or master's or doctoral degrees abroad. It can be divided into study abroad deposit loans before obtaining a visa to go abroad and study abroad education loans after obtaining a visa to go abroad. Among them, the study abroad deposit loan is a loan for the funds needed by the educated to study abroad. .

2 > Personal loan for working abroad: refers to when a state employee applies for a loan from a bank.

6. Loans for children's schooling: When residents apply for loans for children's schooling.

7. Personal business loans: refers to loans granted to banks by individual industrial and commercial households or sole proprietorship enterprises for the needs of production and operation turnover.