2. Personal consumption loan refers to the RMB loan business with designated consumption purposes issued by banks to individual customers, which is mainly used for personal housing, automobiles, general student loans and other consumer personal loans. The longest loan period is no more than 20 years (taking personal housing mortgage loans as an example, the longest term of commercial loans is generally 20 years); At the same time, it is necessary to provide property mortgage, pledge or third-party guarantee recognized by the loan bank (some banks only accept mortgage or pledge) as loan guarantee conditions.