“Loan by Your Credit”—Unsecured Personal Credit Loan (For Consumption)


Personal Credit Loan for Consumption refers to the loan that is applied in personal name and used for consumption.

The purposes of loan is various, including but not limit to housing decoration, furniture and home appliance purchase, further study at abroad, education, travelling, wedding, and other legal and compliant purposes for personal consumption.


1.      It needs no warranty and mortgage.

2.      It is easy to apply

3.      It is fast to release

4.      The credit line is high

5.      The experience employee for credit loan of China Guangfa Bank will provide you non-stop quality service.


1.      You shall be a citizen with China Mainland.

2.      You shall have legal and stable income and capability to repay the principal and interest of loan on schedule

3.      Your personal credit shall be in good condition.

4.      Other requirements stipulated by our bank.

Materials for Submission

1.      ID certificate of borrower

2.      Income certificate of borrower or other certificate that can prove the capability of repayment

3.      Certificate of marital status (marriage certificate or certificate of unmarried)

4.      Certificate of loan purpose

5.      Other documents and materials required by our bank

Loan Term

The longest term can reach 3 years

Interest Rate of Loan

For details, please visit any site of our bank, or call the customer service hotline 400-830-8003

Case Sharing

Mr. Zhang plans to decorate his house recently, and the quoted price of Decoration Company is 300,000 yuan. And then, Mr. Zhang also plans to replace the appliances within his house with about 20,000 yuan. As a civil servant, Mr. Zhang does not want to borrow money from his relatives or friends, for he thinks that the debt of gratitude is difficult to repay.however, his credit line is not enough for his budget. Mr. Zhang has known from the newspaper that Personal Credit Loan of China Guangfa Bank can be used for consumption. Mr. Zhang decides to try to know about such loan. After introduction of customer manager, Mr. Zhang thinks that such loan is suitable for his purpose, and the loan can be released in 3 days. Therefore, Mr. Zhang submits relevant materials for application, and then obtains a sum of 320,000 yuan as personal credit loan for consumption with 36 months of repayment term in order to relieve the repayment pressure of every month. Mr. Zhang has loaned 320,000 yuan with 36 months of repayment term, so, he need to repay 9,872 yuan calculated by means of equal amount of principal and interest, and 1,600 yuan as account management fee monthly (the rate is 0.5%). To sum up, Mr. Zhang just needs to repay RMB 11,472 yuan per month, he can upgrade his house.