Personal Consumption Loan

  Our Personal Consumption Loan is a pure unsecured consumer loan offered by Bank of Communications to individual customers with stable income. No collateral or guarantor is required.

I.Product Features

1.Loan amount up to RMB 1,000,000

2.Annualized interest rate (simple interest) ranging from 3.85% to 12%

3.Loan term up to 7 years

II. Important Notices

1.The use of Personal Consumption Loan funds must comply with national laws and regulations, regulatory requirements, and Bank of Communications policies. The funds are limited to lawful personal consumption purposes and shall not be used for home purchases, investments, business operations, or other non-consumption purposes. The final loan amount, term, and applicable interest rate are subject to the actual approval results of Bank of Communications.

2.When applying for Personal Consumption Loan, please carefully read and understand the loan cost information and borrow responsibly based on your repayment capacity. Apart from the cost items already disclosed, the lender and its partner institutions will not charge you any other interest or fees related to the loan.

Customer Service Hotline: 95559