什么是個人綜合消費貸款

什么是個人綜合消費貸款

　　個人綜合消費貸款是各銀行等向借款人發放的用于指定消費用途的人民幣擔保貸款。接下來小編為大家整理了什么是個人綜合消費貸款，希望對你有幫助哦!

　　Personal comprehensive consumer loan is referred to the RMB loan provided to the borrower by the bank, used for designated concrete consumption. It can be divided into 4 levels as 6-month, 1-year, 2-year and 3-year. The loan varies from 2,000 Yuan to 500,000 Yuan. Personal comprehensive consumer loan features wide consumption uses, high loan line, flexible loan term, etc. It's the ideal choice for a wide range of consumers for achieving the aim of "pay thefuture fortune in advance and enjoy advancing life". The loan line should be more than 2,000 Yuan and less than 500,000 Yuan and the detailed loan line will be determined by bank according to borrower's credit status and the guarantee offered. The term of the loan can be divided into 4 levels, such as 6-month, 1-year, 2-year and 3-year. The loan interest rate is implemented in accordance with the loan interest rate stipulated by the People's Bank of China for the corresponding period. If the loan term is shorter than 1 year, the contract interest rate will be implemented; If the loan term is longer than 1 year, it will be counted on grades and the regulation of legal interest rate will start from the beginning of next year, and the new interest rate shall be implemented in accordance with corresponding interest rate.

　　個人綜合消費貸款是銀行向借款人發放的用于指定消費用途的人民幣貸款。 款期限分6個月、1年、2年、3年四個檔次，貸款限額為2000元至50萬元。個人綜合消費貸款具有消費用途廣泛、貸款額度較高、貸款期限靈活等特點，是廣大消費者實現“預支未來財富，享受超前生活”的理想選擇。 　　貸款額度最低為2000元，最高為50萬元，由銀行根據借款人資信狀況及所提供的擔保情況確定具體貸款額度。 　　貸款期限分6個月、1年、2年、3年四個檔次。 　　貸款利率按照中國人民銀行規定的同期貸款利率計算。在貸款期間如遇利率調整時，貸款期限在1年(含)以下的，按合同利率計算;貸款期限在1年以上的，實行分段計算，于下一年年初開始，按相應利率檔次執行新的利率。