1. Age requirements: Applicants must be at least 18 years old and have full capacity for civil conduct.
2. Identification: Applicants need to provide valid identification, such as ID card and household registration book.
3. Proof of work income: Applicants need to provide work certificates and income certificates issued by their work units to prove that they have a stable source of income and the ability to repay loans.
4. Loan amount: The applicant's loan amount depends on the vehicle price and generally does not exceed 70%-80% of the vehicle price.
5. Loan term: The loan term for China Merchants Bank to buy a car is usually 1-5 years, and the specific term is determined according to the applicant's repayment ability and willingness.
6. Loan interest rate: The loan interest rate will be set according to the benchmark interest rate of the central bank and the specific policies of China Merchants Bank, and the specific interest rate will be subject to the actual approval results.
7. Collateral: In some cases, China Merchants Bank may require the applicant to provide certain collateral, such as real estate, to reduce the loan risk.
8. Credit record: The applicant should have a good credit record and no serious overdue repayment or other bad credit records.
It should be noted that the above conditions are for reference only, and the specific loan conditions may be different due to changes in time, region and policy. When applying for a loan to buy a car from China Merchants Bank, it is recommended that you consult the local branch of China Merchants Bank or official website for detailed loan conditions and requirements, and prepare application materials according to relevant requirements. At the same time, you can also compare the loan conditions of various banks and choose the loan scheme that suits you best.