Correct loan use oriented by consumption

Correct loan use oriented by consumption

1. Home decoration.

2. Buy cars and household appliances.

3. Education and training, studying abroad.

4. Travel.

1, decoration

At present, it is the most widely used and favorite one in financial institutions. Generally speaking, the bank will ask you to provide the purchase invoice of the decoration company, or directly transfer the loan money to the enterprise account of the decoration company.

2. Buy cars, home appliances and jewelry.

Whether it is cars, large household appliances, electronic digital products, or jewelry and jade, it is the normal consumption demand of individuals applying for loans. In order to ensure the authenticity, the bank will ask you to issue an invoice, and remember to keep it properly when you buy it.

3, education and training, study abroad

Staged education and study abroad loans are also one of the common loan uses in the market. Its purpose is to use the lender's personal learning to improve his knowledge and ability. At present, in addition to banks, some education and training institutions have also launched similar phased products.

Step 4 travel

With the increasing demand in the tourism market, tourism loans have become one of the loans operated by financial institutions. Users can apply according to their own needs, and at the same time keep relevant information and documents for post-loan review. At present, consumer loans are developing rapidly in China. In order to continuously meet people's consumer demand, the use of consumer loans is also advancing with the times, such as cosmetic surgery by stages and even consumer loans for the second child. The purpose of these loans is constantly updated with the changes of the times.

As long as it's not overdue?

Truth: The new version of the credit report is not only overdue but also unreliable.

Loan and credit card applications and overdue records are indeed the most important part of the central bank's credit report, but in fact, credit reporting contains more meanings, such as breaking promises in public places and paying utilities. , all within the scope of credit reporting.

The most typical case is the "high-speed rail rider", because misconduct in public places is included in the list of dishonesty, restricting high-speed rail rides and so on. Because we also need to pay attention to our words and deeds in public places, and don't treat small evils with small ones. Everyone knows the importance of credit reporting to loans. However, consumer credit reporting is not necessarily a dead end, and it is not necessarily a good credit reporting without overdue.