Hello, if it is a loan from China Merchants Bank, if you need to apply for a second-hand real estate loan, you usually apply for a loan from our bank first, and then go through the formalities of real estate 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.

Application materials generally required for applying for a loan:

1. Identity information: ID card, military officer's card, etc. ;

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

3. Use certificate: the original property right certificate of the purchased property, the purchase contract, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, the supervision fund entry certificate is enough);

4. Proof of repayment ability (provide one or more of the following):

(1) If the income provided by the income certificate is basically consistent with its local industry, occupation and position, and the income level is sufficient to meet the repayment needs of customers, provide the income certificate;

(2) For self-employed individuals and customers whose income is significantly higher than that of the same position in the local industry, supplementary proof materials of repayment sources shall be provided. Including but not limited to: ① providing a running list or a reliable list of wages paid by banks for more than three consecutive months in the past year; (2) provide proof of holding shares of relevant institutions and proof of share dividend income; (3) Provide proof of family assets, including financial assets or non-financial assets.

(3) Our payroll customers can directly provide their payroll account flow, without the need for the unit to issue a separate income certificate;

(4) Customers who can provide social security account running water or personal tax bills do not need the unit to issue income certificates, and the Bank calculates the customer's income according to the relevant provisions of local social security account payment or tax policies;

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.

If you have any other questions, please visit "Online Customer Service" (website: /cmu/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!