If you apply for a loan through our bank, the loan handling bank will generally review the loan purpose of the customer first (different loan products correspond to different purposes), and the loan purpose can only be applied if it meets the requirements. At the same time, it will comprehensively evaluate factors such as collateral, personal credit and repayment. In addition, the loan interest rate, amount, term and other factors need to be priced in combination with the comprehensive factors such as the business type, credit status and guarantee method you apply for, and can only be determined after approval by the handling outlets. Note: Loan is not a credit card installment business.

Take the consumer loan in Shenzhen as an example: general customers need to use the settled property with complete documents as collateral to apply for personal or family loans for legitimate consumption purposes, such as car purchase, decoration, education, bulk shopping and tourism. The personal consumption loan/credit line of a single loan shall not exceed the transaction price specified in the provided use information, and shall not exceed 2 million yuan (inclusive). Where commercial housing is used as collateral, the mortgage rate shall not exceed 70% of the present value of real estate appraisal. At that time, please refer to the audit results of the loan handling bank.

In addition, the monthly supply and demand of loans provide the following calculation elements: total amount/loan term/loan execution interest rate/specific repayment method of loans. The above information can only be determined after the loan handling bank reviews the comprehensive information of customers. If you are just trying to calculate a rough information, please open/cmbwebpubinfo/cal _ loan _ per.aspx? Chnl=dkjsq According to the situation you want to deal with, use a financial calculator for trial calculation. Please refer to the reply of the loan handling bank for specific loan information.

If you have any other questions, please visit "Online Customer Service" (website: /cmu/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!