At present, China Merchants Bank does not accept ship mortgage, so you can try to apply for a loan through China Merchants Bank. There is no prophase. If you are already a user of China Merchants Bank and have downloaded the mobile banking app of China Merchants Bank, you can try to make a loan by logging in to the mobile banking.

Or borrow money by credit card; Log in to Pocket Life and click "Card Finance"-"I want to borrow money" below, subject to the audit results.

Non-China Merchants Bank card (no China Merchants Bank area) can try to apply for "e-loan" and need to download the operation of China Merchants Bank Pocket Life APP.