Hello, at present, China Merchants Bank is carrying out consumer credit loans on behalf of customers in Guangzhou, and personal consumer credit loans issued by qualified customers who pay wages in our bank. If your salary is paid by China Merchants Bank, you can refer to the following information.

In addition to meeting the personal consumption loan conditions, the borrower shall also meet the following requirements:

1. The current loan of the applicant is not overdue, and the credit record is above Grade II (inclusive).

2. The customer has a record of paying wages in our bank for more than 6 consecutive months (inclusive), and the annual salary payment amount is not less than 50,000 yuan (inclusive). The amount of wages paid on behalf of employees refers to wages, bonuses, holiday expenses, communication expenses, transportation expenses, overtime pay, books, newspapers and magazines, washing expenses or subsidies, and the remarks column of wages paid on behalf of employees is reimbursement. Annualized payroll amount = accumulated payroll amount paid by customers in our bank in the last 6 months ×2, excluding payroll amount paid by other banks or other income.

The maximum amount of credit or single loan shall not exceed 300,000 yuan, and shall not exceed the annual salary paid by the applicant himself. The longest credit period shall not exceed 5 years, the longest single loan and single loan under credit shall not exceed 3 years, and the maturity date of the loan shall not exceed the maturity date of the credit line.