It is indeed handled at a bank outlet. China Merchants Bank is a commercial bank, and the loan interest rate will be higher than that of the five major banks.

Lenders generally need to meet the following conditions:

1. China citizens with permanent residence in China and permanent residence in local towns and 18-65 years old;

2. Abide by laws and regulations, and have no illegal acts and bad credit records;

3. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

4. Other conditions stipulated by the bank.