What is the difference between a purpose and a non-purpose consumer loan?

A purpose loan can only be used for a particular item (e.g. purchasing real estate, reconstruction, etc.) i.e. the bank investigates the purpose the financial funds are used for (the client must submit, for example, a purchase contract).

A non-purpose loan can be used for anything (even a vacation), i.e. the bank does not investigate how the loan is used.