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Consumptive credit

All credits intended for the purchase of (durable) consumer goods, insofar as these have a term of three months or longer, the lender participates in the exercise of his profession or business and the borrower is a natural person. Mortgage loans are not included here.

Consumer credit is a personal loan, revolving (or continuous) credit, bank overdraft and blank credit. Except for a current account credit, no security is required for a consumer credit (pledge or mortgage).

Consumer credit is a banking term for forms of credit that are used for the purchase of goods with a limited shelf life. The most important forms of consumer credit are: Articles that are often financed with consumer credit are cars, white and brown goods, but also travel. The counterpart to consumer credit is the mortgage.

Consumer credit is usually used to finance: Car, Boat, Caravan or Home Improvement.

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