With a deposit of 50,000 yuan, you can't apply for a mortgage loan, but only a credit loan. Mortgage loans usually accept real estate, automobiles, factories and land as collateral, while deposits, securities and wealth management products are not eligible for mortgage.

To apply for unsecured credit loans, the applicable population is: the monthly salary is not less than 8000 yuan; Existing loan customers who meet the conditions identified by China Merchants Bank; Private banking customers, sunflower customers and platinum credit card customers of China Merchants Bank; Employees of government agencies or administrative institutions such as civil servants, teachers and doctors; Quality enterprise employees; Other high-quality customers identified by China Merchants Bank.

Application materials for unsecured credit loans: ID cards of borrowers and their spouses; Borrower's household registration book; Property certificate, driver's license and other asset certificates; Proof of address, such as water, electricity, gas, telephone or property management bill; Proof of income of the borrower and his spouse; Marriage certificate: marriage certificate, divorce certificate and single certificate; Title, professional qualification or academic degree certificate, etc.