Some branches of China Merchants Bank have launched "personal consumption purposes, including car purchase, decoration, teaching materials and bulk purchase".

Second, can you get a credit loan with a mortgage?

If you have a mortgage under your user name, you can continue to apply for a credit loan. Users with mortgages are quality customers. Such customers go to the bank to apply for credit loans, and the probability of passing the loan review is very high. Or users directly apply for online loans, mostly credit loans. As long as there is no overdue record during the mortgage repayment period, the probability of passing other loan audits is relatively high.

Credit loans do not need guarantees and mortgages, so the loan amount will not be too high, and users will continue to apply for credit loans with mortgages, which will not greatly increase the personal debt ratio.

Third, can a mortgage be a credit loan?

There are many reasons for refusing a loan. A friend has good credit and considerable income, but the loan is inexplicably not approved. Later, after careful examination of the loan application, I realized that the loan was naturally yellow because I said the wrong work address and was labeled as "dishonest" by the bank. If you want to avoid this happening to yourself, you must ensure the accuracy of the information provided to the bank. When you move or change your phone number, you must inform the bank in time. The information provided to the bank is different, which is one of the reasons why the personal loan application is rejected. In addition, what other 1 personal credit reports have been inquired by institutions? When inquiring about your personal credit report, pay more attention to whether any institution has checked your credit report without your authorization. If there is, reflect quickly, don't be in a daze, and finally let yourself suffer. 2 Long-term arrears of mobile phone water, electricity and gas: don't owe mobile phone money, pay the rent of water, electricity and gas on time, and be a good boy. If you always forget, you might as well set a monthly alarm clock to remind yourself. 3 serious traffic dishonesty tips: drive carefully, pay fines and buy tickets. 4 There is a serious mismatch between wealth accumulation and income: living within our means, living within our means. When gambling breaks out, loans are used for stock trading: Never use loans for stock trading. 6 Leave a bad record of overdue repayment: set the repayment date in the mobile phone calendar application, which is generally a few days earlier than the latest repayment date. First, you won't forget the repayment, and second, even if you find that you haven't paid all the repayment, you still have time to remedy it. Applying for a personal loan is also a crucial detail. Knowing these reasons that may be rejected by banks, you should pay more attention to them in peacetime and when applying for loans.