The loan products of China Merchants Bank are as follows: 1. Business card Business card is a loan service provided by China Merchants Bank for small business owners. Small business operators can borrow and repay after obtaining the credit line, and they can handle it with one card. In terms of loan term, the loan term can be flexibly determined according to the needs of business conditions, and the loan can be repaid with the loan. For detailed loan information, please go to China Merchants Bank outlets and official website for consultation. 2. Personal car loan The personal car loan of China Merchants Bank is second to none in the car loan industry because of its high loan amount, low interest rate and fast lending speed. CMB car loans are mainly used by CMB private bank customers, diamond card customers and friends in golden sunflower card. Friends with stable jobs can also easily apply for car loans at China Merchants Bank, or other high-quality customers recognized by China Merchants Bank also enjoy the right to apply for car loans first. 3. China Merchants Bank's first-hand housing loan China Merchants Bank's first-hand housing loan is provided to groups with housing needs. There is no upper limit on the loan amount, and the term can be flexibly selected according to your actual needs. The loan interest is low and the repayment method is flexible. Civil servants, teachers, doctors and other professions can enjoy preferential and loan policies when handling the first-hand mortgage of China Merchants Bank. 4. Personal consumption loan The personal consumption loan of China Merchants Bank has simple handling conditions. As long as you can provide the mortgage collateral needed for handling the loan, you can handle the personal consumption loan at China Merchants Bank. Personal consumption loans have a wide range of uses, suitable for car purchase, decoration, travel, study abroad and so on. From the practical point of view, personal consumption loan is a kind of loan suitable for all people with loan needs, and everyone can handle it with confidence. Different loan products have different requirements. If you need a loan with good credit information, you can apply for a loan through China Merchants Bank if you have a card from China Merchants Bank. There is no prophase. If you are already a user of China Merchants Bank and have downloaded the mobile banking of China Merchants Bank, you can try to log in to the mobile banking, all my loans. If you have a CMB credit card to log in to the Pocket Life APP, click "Card". Operating environment: apple 12, ios 14, China merchants bank app version 6. 1. 10.

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

I. Housing requirements

1. The property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage.

2. Does the age of the house (from the completion date of the house) add up to the loan period?

3. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

Two. Lender's requirements

China citizens who have permanent residence in China (or valid certificates) and meet the following conditions may apply for personal comprehensive consumption loans.

1, with a proper occupation and stable ability to repay the principal and interest of the loan;

2. No illegal acts and bad credit records;

3. It can provide a three-party guarantee recognized by the bank that can use legal and effective real estate as mortgage guarantee;

4. Open and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5. Other conditions stipulated by the bank.

Extended data

Mortgage form

There are two traditional forms of mortgage. Maximum mortgage means that the mortgagor and the mortgagee agree to guarantee the creditor's rights that occur continuously for a certain period of time with collateral, which is a new mortgage system different from the traditional mortgage system. Compared with the traditional mortgage system, the differences are as follows:

1, maximum mortgage

2. Maximum mortgage;

3. The maximum amount of mortgage must be reserved for the burden exceeding the maximum amount;

4. The maximum mortgage shall not be transferred with the transfer of the principal creditor's rights. Although maximum mortgage is more independent than traditional mortgage, there is no essential difference between maximum mortgage and traditional mortgage.