If you intend to apply for a "personal loan" at China Merchants Bank, if you use a "commercial house" as collateral, the maximum loan/credit amount shall not exceed 60% of the appraised net value of the real estate or 50% of the appraised present value; The credit line of the loan shall not exceed 50% of the transaction price of the purchased commercial housing and 55% of the transaction price of the purchased commercial and residential dual-use housing. Your specific loanable amount needs to be determined after comprehensive approval by outlets. Please contact the handling bank directly for confirmation.