If you apply for a loan through our bank, the second-hand building loan is usually applied to our bank before you go through the formalities of property right transfer. You can try to provide the following proof materials to the personal loan department of China Merchants Bank: (1) identification materials; (2) Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ; (3) Proof of use: the original proof of the property right of the purchased property, the purchase contract, the purchase contract and the down payment receipt confirmed by the seller (if the transaction funds are supervised, the supervision funds are accounted for); (4) Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account running water or tax bill, etc. ; (5) Other materials required by this institution.

The maximum loan/credit line shall not exceed 70% of the mortgaged value of the purchased property, and shall comply with the relevant regulations of the regulatory authorities and banks. The mortgage value shall be determined according to the principle that the present value of the mortgaged property is lower than the transaction price. In addition, the longest loan/credit period shall not exceed 30 years, and the longest loan period plus the age of the mortgaged property shall not exceed 40 years in principle. At that time, please refer to the audit results of the loan handling bank.

If you have any other questions, please visit Online Customer Service (website: /cmu/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!