目前,各家银行开办的个人消费贷款的品种有:个人汽车消费贷款、个人耐用消费品贷款、个人住房装修贷款、个人消费额度贷款、个人助学贷款和个人旅游贷款等。无论办理何种消费贷款,申请人除了必须具有完全民事行为能力和还款能力之外,还要提供银行所能接受的担保方式。多数人认为向银行申请消费贷款只能以自己的住房作为抵押,而事实上,只要把自己的资产盘活,还有其他几种方式可向银行贷款。 Currently, various types of personal consumer loans offered by banks include personal auto loans, personal durable goods loans, personal housing renovation loans, personal consumption credit loans, personal student loans and personal travel loans. No matter what consumer loans, the applicant must have full civil capacity and repayment ability, but also to provide the bank can accept the guarantee. Most people think that applying for a consumer loan to a bank can only be secured by their own home. In fact, there are several other ways to get a loan from a bank as long as you activate your own assets.