Generally speaking, the initial loan amount is 50,000 yuan, and the credit or single loan amount should not exceed 5 million yuan in principle, and the maximum loan amount should not exceed100,000 yuan, and it must meet the requirements of the Basic Provisions on Loans for Small and Micro Enterprises. If the amount of credit or single loan exceeds 5 million yuan, the following conditions must be met at the same time: 1. Can only be handled in the name of a natural person. 2. The amount of credit or single loan shall not exceed the net assets of the borrower's family. 3. Meet one of the following conditions: (1) The borrower is a private drilling customer of our bank. (2) The loan handling institution is an institution under the jurisdiction of Shenzhen, Beijing, Shanghai, Hangzhou, Nanjing or Guangzhou Branch. Mortgage loans for small and micro enterprises refer to loans for small and micro enterprises issued by banks to borrowers or borrowing enterprises, with commercial houses, commercial houses and factories with clear property rights and strong liquidity owned by borrowers or borrowing enterprises or owned by third parties as collateral. If you still have questions, I suggest you consult the "Customer Service Online" of China Merchants Bank.