To apply for personal housing loan in China Merchants Bank, the monthly income requirements are as follows: the proportion of monthly loan expenditure to monthly income should be controlled below 50% (inclusive), and the proportion of monthly debt expenditure to monthly income should be controlled below 55% (inclusive). That is, the monthly loan expenditure shall not exceed the average monthly income, and the monthly debt expenditure shall not exceed 55% of the monthly income. Please refer to the regulations of the local branch for details.