Two, in the location of the loan has its own real estate, with legal and valid identification.

3. Be law-abiding, honest and trustworthy, and have no bad credit record and behavior record.

4. Quality customers of China Merchants Bank and gold customers with credit cards.

5. Working in a high-quality enterprise recognized by China Merchants Bank, having a certain position or level, and the professional title has reached a certain standard.

6. Other conditions meeting the requirements of China Merchants Bank.

Related knowledge supplement:

I. Handling Process of Personal Credit Loan of China Merchants Bank

1. application

Lenders hold valid identity documents and relevant materials required by China Merchants Bank, fill in the credit application form and apply for credit from the handling bank.

Step 2 agree

China Merchants Bank investigates the lender's credit status, conducts examination and approval according to procedures, and informs the lender of the examination and approval results.

sign a contract

After the application is approved, the lender signs a credit agreement with China Merchants Bank, and China Merchants Bank gives the lender a credit line.

Use money

After obtaining the credit line, the lender may apply to the handling bank at any time, and the lending bank will release the loan to the lender's personal account.

Second, China Merchants Bank personal credit loan application materials

1. ID card and marriage certificate.

2. Real estate license.

3. At least one address certificate.

Water, electricity, gas, telephone or property management bills.

4. Select at least one proof of income.

Proof of salary/bank statement/income tax bill/social security record/other proof of income

5. Proof of use, and provide corresponding transaction proof materials.

The personal consumption loan of China Merchants Bank requires the applicant to earn more than 5,000 yuan per month before tax, and have worked in the current unit for half a year. Applicants are required to be civil servants, administrative institutions, official staff of large state-owned enterprises, teachers of public schools and doctors of public hospitals, and applications from self-employed individuals such as private owners and individual industrial and commercial households are not accepted for the time being.

Third, product advantages.

1. No collateral or guarantee is required.

2. The maximum loan amount can reach 500,000.

3. The loan interest rate is 20% higher than the benchmark interest rate.

4. The longest loan period is 2 years.

5. The application materials are complete and the loan can be released within 8 working days.

Fourth, the loan conditions

1. Customer categories: civil servants, administrative institutions, official staff of large state-owned enterprises, teachers of public schools, and doctors of public hospitals.

2. Income requirements, the monthly income before tax is more than 5,000 yuan, and wages need to be provided.

3. Working years, continuous work in the current unit for more than 6 months.

4. For real estate requirements, Huizhou real estate under its name shall be provided.

5. Due to industry restrictions, applications from private owners, individual industrial and commercial households and other self-employed households will not be accepted for the time being.