1 The applicant is required to be between 18 and 65 years old and have full capacity for civil conduct;
The applicant has a stable job and income, and has the ability and willingness to repay on time;
3. Personal credit status is good and there is no bad credit record;
④ For mortgage products, it can provide mortgage or guarantee items approved by China Merchants Bank;
5. Other conditions stipulated by China Merchants Bank.
The above is the introduction of some basic conditions that need to be met when applying for China Merchants Bank, but the conditions of different loan products are still different, so the bank's regulations should prevail when applying for China Merchants Bank loans. In addition, for some loan products launched for specific groups, the applicant's occupation will also be required.
Extended data:
China Merchants Bank is headquartered in Futian District, Shenzhen. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began its public offering in Hong Kong, issuing about 2.2 billion H shares and raising HK$ 20 billion. It was listed on the Hong Kong Stock Exchange on September 22. The net capital exceeds 290 billion, and the total assets exceed 4.4 trillion. [3-4] [16- 17] By the first half of 20 17, China Merchants Bank had more than 1800 domestic and overseas branches, set up service outlets in more than 30 cities in Chinese mainland/kloc-0, and had 5 overseas branches and 3 overseas representative offices with employees.
Among them, China Merchants Bank personal credit loan application process generally includes:
(1) The borrower holds valid identity documents and relevant materials required by China Merchants Bank, fills in the credit application form and applies for credit from the handling bank.
(2) China Merchants Bank investigates the borrower's credit status, conducts examination and approval according to procedures, and informs the borrower of the examination and approval results.
(3) After the application is approved, the borrower signs a credit agreement with China Merchants Bank, and China Merchants Bank gives the borrower a credit line.
(4) After obtaining the credit line, the borrower can apply to the handling bank at any time, and the handling bank will release the loan to the borrower's personal account.
Loan interest rate over the years
On June 8, 20 12, the central bank decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from June 8, 20 12. The benchmark one-year deposit and loan interest rate of financial institutions [2] was lowered by 0.25 percentage points respectively, and the deposit and loan interest rate of housing provident fund was also lowered simultaneously.
On July 6, 20 1 1, the central bank decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from July 7, 201/. The benchmark interest rates of one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also raised simultaneously.
On April 5, 20 1 1, the central bank decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from April 6, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively.
On February 8, 20 1 1, the central bank decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from February 9, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.
What are the problems in the telephone verification of China Merchants Bank's commercial loans?
Telephone verification of commercial loans of China Merchants Bank;
1 to confirm the information provided by the applicant and test the repayment willingness of the repayment person.
2 loan purposes, such as working capital, enterprise equipment, payment of wages, purchase of raw materials, etc. If the lender says that the funds are used for stock trading, it will not be conducive to loan review.
3 Income: The lender will be asked about his recent work and income, or how his recent business income is, and whether he has any other investments or income.
Expenditure, the key part of usual expenditure, such as mortgage, car loan or for life.
The main purpose of the loan audit call is to know the details of the lender and confirm its willingness to lend, so it is best for the lender to answer it at the first time. If you accidentally miss a call, don't worry, the auditor will call you again within 24 hours. But don't miss the call more than twice, otherwise your chances of loan success are slim, but you can call back in time to explain why you didn't receive the call.
Pay attention to the tone and attitude of answering questions and choose a quiet environment to answer after connecting the loan review phone. Every question of the auditor must be treated with caution, and the content of the answer is consistent with the application materials in order to make a successful payment. Otherwise, it means that there is something wrong with your personal integrity, and you are even suspected of defrauding loans, and the probability of being refused loans is very high.
Loan call-back calls generally ask about the purpose of the loan, personal basic information, liabilities and other information. This information is basically on the loan application materials. As long as the user answers according to the content of the materials, it can basically be audited by telephone. The content of the answer is inconsistent with the information in the data, which may lead to the rejection of the loan application.
It should be noted that don't miss the call. If you don't answer the phone for more than two times, you almost refused, indicating that you voluntarily gave up the loan. Therefore, borrowers must keep their mobile phones open. If you accidentally miss the call, you can call back, or you can call again next time if you can't get through.
Does China Merchants Bank need husband and wife to sign the loan?
The commercial loan of China Merchants Bank needs the signature of husband and wife. If you are married, you must be signed by both parties. The information submitted must also be from both parties, because the business license loan belongs to the business loan, and as long as there is a marriage relationship, the debt belongs to * * *, so both parties should sign the contract together.
Is the operating loan of China Merchants Bank a regular loan?
The commercial loans of China Merchants Bank are not conventional loans. Because China Merchants Bank does not require the applicant to provide two third-party guarantors when operating the loan, it can apply for the loan as long as it provides legal proof to the bank. In addition, the commercial loans of China Merchants Bank have a wide range of uses, including but not limited to commercial investment, purchase of raw materials, purchase of fixed assets, etc., which are convenient to use and can effectively help enterprises and individuals complete the capital movement and solve the capital problem.