To apply for housing loan in China Merchants Bank, it is necessary to comply with the local housing purchase policy. For specific policies, please consult the loan department of local China Merchants Bank. Age plus loan period 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 give the information to the staff. If not, you need to directly contact the personal loan department at the local counter to provide personal information and the purchased property for application.

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

If you apply for a loan at China Merchants Bank, you generally need to provide application materials to apply for a loan:

1. Identification information

2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.

3. Proof of local residence: fixed telephone bill for any three months in the past year, or public utility bill such as water and electricity bill, or other materials that can prove the address.

4. Guarantee certification materials

5. Proof of use: For example, a car loan means providing a full car purchase invoice before the loan is issued, or providing a car purchase agreement (contract) plus a down payment invoice (or a receipt stamped with the dealer's official seal). After the loan is issued, the full car purchase invoice (if not provided before the loan is issued) and the vehicle purchase tax payment certificate must be provided.

6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account flow or personal tax bill, etc.

If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.