The credit card of China Merchants Bank, which has just been established, cannot be directly used for loans. After you need to use it for a period of time, the usage can be used as credit information, but the credit card is not the information for handling loans.
Bank loans need a stable source of repayment and collateral with good credit information or clear property rights, such as real estate and vehicles.
Requirements for bank loans:
For those who have reached the age of 18, have full capacity for civil conduct, and have permanent residence of urban residents or legal and valid identity certificates, the age of the lender required by bank loans is generally between 18-60.
2. Have a stable legal income and the ability to repay interest;
3. Have good credit.
4. Other conditions required by the lending bank.
To apply for a bank loan, you need to prepare materials:
Valid identification.
2 permanent residence or valid residence certificate, permanent residence certificate.
3. Proof of marital status.
4. Banks are flowing.
5. Proof of income or personal assets.
6. Credit report.
7 loan use plan or statement.
8. Other information required by the bank.
2. Why do I need a credit card to get a loan from China Merchants Bank?
In order to develop new business.
3. Can I apply for a loan with China Merchants Bank credit card?
If you apply for a loan at China Merchants Bank, the premise is that there is no problem with your credit information and you can provide a 6-month salary flow. In this case, you can apply for a loan at China Merchants Bank normally. If you have a CMB credit card with high credit limit and good credit rating, you will get some discounts when applying for a loan! It may be faster in the process of online application.
4. Can I get a loan with the newly opened China Merchants Bank credit card?
If it is a credit card of China Merchants Bank, you can log in to the Pocket Life client and try to handle cash installment and e-loan. Please refer to the audit results for the specific amount and expenses.