If you apply for a housing loan at China Merchants Bank, you need to meet the local housing purchase policy. For specific policies, please consult the local loan department of China Merchants Bank. Age plus loan term should not exceed 70 years. At the same time, you need to provide proof of identity, proof of use, proof of income, etc. , and contact the loan handling bank for consultation.

If you need to apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and hand over the information to the staff. If not, you need to directly contact the personal loan department at the local counter to provide your personal information and the purchased real estate for application.

If you need to apply for a second-hand real estate loan, you will usually apply for a loan from the bank before going through the formalities of property transfer. You can provide your specific information and purchased property by contacting the local personal loan department at the counter, and the personal loan department at the counter will review your comprehensive situation and determine whether you can handle it.