个人消费贷款与经营性贷款有何区别

2025-03-18 03:06:59
推荐回答(3个)
回答1:

贷款用途不同。招行个人消费贷款一般用于购车、购车位、装修、教育学资、大宗消费购物、旅游等个人或家庭合法消费用途,一般是使用房产抵押的方式担保办理。
经营性贷款一般是用于公司周转。
所在城市若有招商银行,可通过招行尝试申请贷款,请您在8:30-18:00致电95555选择3个人客户服务-3-3-8进入人工服务提供贷款用途及城市详细了解所需资料。
贷款申请是否通过,请以经办行个贷部门的综合审核结果为准。

回答2:

这主要是从贷款后的用途上进行区分的;\x0d\x0a1、个人消费贷款是指银行向个人客户发放的有指定消费用途的人民币贷款业务,用途主要有个人住房、汽车、一般助学贷款等消费性个人贷款;\x0d\x0a2、个人经营贷款,是指银行向借款人发放的用于借款人流动资金周转、购置或更新经营设备、支付租赁经营场所租金、商用房装修等合法生产经营活动的贷款。\x0d\x0a如果分要区分下其他不同,那么有以下几点:\x0d\x0a1、申请条件及相关证明材料不同;\x0d\x0a个人消费贷款申请条件:\x0d\x0a一、具有完全民事行为能力的自然人,且贷款到期日时申请人年龄满18周岁且一般不超过 55周岁;\x0d\x0a二、具有贷款行所在地的城镇常住户口或有效居住身份;\x0d\x0a三、有合法、稳定经济收入,信用良好,有偿还贷款本息的能力;\x0d\x0a四、具备明确消费意向或已签署了相关消费合同;\x0d\x0a五、能提供贷款人认可的担保\x0d\x0a个人经营贷款的申请条件:\x0d\x0a对象为符合银行个人经营贷款政策的、具有完全民事行为能力的中国公民(不含港澳台居民),包括个体工商经营者、 独资企业/合伙企业/有限责任公司的主要合伙人或主要 自然人股东等。\x0d\x0a一、年龄在18周岁(含)以上、60周岁(含)以下,在分行管辖地域范围内有固定住所,具有常住户口或有效居住证明;\x0d\x0a二、借款人及其 经营实体 信用良好,经营稳定;\x0d\x0a三、相关银行规定的其它条件。\x0d\x0a二、贷款额度不同:\x0d\x0a个人消费贷款最高50万,以所购消费品或服务的价格为上限,并提供相应贷款担保;经营性贷款额度较高贷款额度高:如招商银行的个人经营性贷款的贷款金额最高可达3000万;中国工商银行为1000万元;\x0d\x0a三、 贷款期限不同:\x0d\x0a个人消费贷款最长借款期限可达5年;而个人经营性贷款一般授信的最长可达10年,单笔贷款最长可达5年。

回答3:

没区别,爱咋用咋用,及时还款就行

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