Hello, if you apply for loans through our bank, personal consumption loans are issued by our bank to natural persons for personal or family legitimate consumption purposes such as car purchase, parking, decoration, education, bulk consumption shopping, tourism and so on. , generally secured by real estate mortgage. You need to provide your personal information and proof of the specific use of funds, and apply through the counter personal loan department.

Conditions for real estate mortgage:

1. The mortgaged property and the lending institution must be located in the same city, and personal consumption loans do not accept off-site collateral. If the collateral is commercial housing, it must also meet the corresponding requirements of personal commercial housing loans for collateral;

2. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no adverse circumstances such as property rights disputes;

3. It has strong liquidity, the real estate structure is intact, and various supporting facilities and services such as water, electricity, environmental protection transportation, urban construction and property management are complete, and there are no disputes and problems, which are not within the scope of demolition planned by the government;

4. If the present value of the appraised property is less than 6,543,800 yuan (inclusive), the mortgage will not be accepted;

5. In principle, mortgage loans will not be accepted for properties with a house age (referring to the completion period of the property) of more than 20 years (inclusive);

6. Collateral must be appraised by a professional appraisal institution recognized by the bank.

7. Other conditions stipulated by the bank.

If you have any questions, please open the homepage of China Merchants Bank in www.cmbchina.com and click "Online Customer Service" in the upper right corner to enter the consultation.