If you apply for a mortgage through China Merchants Bank, the down payment/loan amount depends on the local policy and the evaluation decision of the evaluation company.

At present, China Merchants Bank provides housing loans for the first and second floors.

The longest loan/credit period of first-hand real estate is no more than 30 years, and your loanable period will be determined by the handling bank after you submit relevant information.

The longest loan/credit period for second-hand buildings is not more than 30 years, and the building age of the shopping industry (referring to the completion period of the property) is generally not more than 20 years. The longest loan period plus the building age of the mortgaged property is not more than 40 years in principle.

The specific time limit for your application shall be determined by the handling bank after you submit relevant information.