If you are going to apply for a personal housing loan at China Merchants Bank, the loan interest rate that you can actually apply for is comprehensively priced by the handling bank in combination with relevant national policies, business types, personal solvency, credit status, guarantee methods and other factors, and can only be implemented after approval.

At present, the benchmark "annual interest rate" for individual (RMB) loans of 0- 1 year (including 1 year) announced by the People's Bank of China is 4.35%; The benchmark annual interest rate for 1-5 years (including 5 years) is 4.75%; The benchmark "annual interest rate" for five years is 4.9%.