China Merchants Bank housing loan application conditions are as follows:

1. has legal and valid identification;

2. Age plus loan period shall not exceed 70 years old;

3. The credit record meets the requirements of our bank, and there is no default in the loan business handled by our bank at present;

4. Foreigners or residents of Hong Kong, Macao and Taiwan must also meet the relevant requirements of the state for foreigners when purchasing commercial housing;

5. Abide by the law, be honest and trustworthy, have no illegal acts, and have not involved any criminal cases or civil cases against them at present;

6. Have the ability to repay the loan principal and interest on time, the borrower's monthly loan expenditure should be controlled below 50% (inclusive), and the monthly debt expenditure should be controlled below 55% (inclusive);

8. Other conditions stipulated by the institution.

Whether it meets the application conditions, you can contact the personal loan department of the local outlet to confirm!

2. What are the mortgage loan terms of China Merchants Bank?

1. The borrower can provide ID card and marriage certificate.

2. The borrower can provide bank running water.

3. The borrower can provide proof of address or bills for water, electricity, gas, telephone or property management.

4. The borrower can provide proof of income, such as salary certificate, income tax bill, etc.

5. The borrower can provide the use certificate and the corresponding transaction certificate.

6. The borrower fulfills the guarantee conditions.