If there are local branches of China Merchants Bank, you can try to apply for personal housing loans through China Merchants Bank, which must conform to the local housing purchase policy, and the age plus loan period should not exceed 70 years old. At the same time, it is necessary to provide proof materials such as use certificate, identity certificate and income certificate.

When reviewing loans, your "credit history" and "repayment ability" will be one of the important contents of the review. Whether the final approval can be passed is based on the comprehensive evaluation of the business type, personal solvency, credit status and other factors you apply for, and can only be determined after the approval of the handling outlets. I suggest you provide relevant application materials and contact the personal loan department of local outlets for further verification.