The loan handling process of China Merchants Bank is the same. According to the handling requirements of China Merchants Bank official website, the process is as follows:
Treatment process
Step 1: Submit the application.
Step 2: Bank approval
Step 3: issue loans.
I. Application materials for individual first-hand and second-hand housing loans
Id card, marriage certificate
2. At least one proof of address: bills for water, electricity, gas, telephone or property management.
3. Select at least one income certificate: salary certificate/bank statement/income tax bill/social security record/other income certificate.
4. Proof of use: provide the corresponding purchase contract.
Second, personal consumption loan application materials
Id card, marriage certificate
2. Real estate license
3. At least one proof of address: bills for water, electricity, gas, telephone or property management.
4. Select at least one income certificate: salary certificate/bank statement/income tax bill/social security record/other income certificate.
5. Proof of use: provide relevant transaction proof materials.
Three, personal car loan application materials
1. ID card and marriage certificate
2. At least one proof of address: bills for water, electricity, gas, telephone or property management.
3. Select at least one income certificate: salary certificate/bank statement/income tax bill/social security record/other income certificate.
4. Use certificate Note: It can be postponed until the loan is issued: car purchase contract/agreement; Down payment invoice/receipt
Extended data:
processing method
1. If you are a private bank customer, diamond card customer, sunflower customer or platinum card customer of China Merchants Bank, or an employee of government agencies or administrative institutions such as civil servants, teachers and doctors, as well as other high-quality customers recognized by China Merchants Bank, you can apply for a one-time payment discount, that is, you can use bank loans, enjoy a one-time payment discount and enjoy interest rate concessions.
2. Call the account manager of China Merchants Bank.
3. Go to the nearest outlet of China Merchants Bank.
4. Call the national unified service hotline 95555.
China merchants bank official website-yishoufang loan
China Merchants Bank official website-Second-hand Housing Loan
China Merchants Bank official website-Personal Consumption Loan
China merchants bank official website-personal automobile loan
How does China Merchants Bank apply for a loan?
I. Conditions for Microfinance of China Merchants Bank
A China citizen who has a fixed residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct.
Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule.
Have a good credit record and willingness to repay, and no bad credit record.
Can provide legal, effective and reliable guarantee recognized by the bank.
There is a clear purpose of the loan, and the purpose of the loan conforms to the relevant provisions.
Open a personal settlement account in China Industrial and Commercial Bank.
Other conditions stipulated by the bank.
Second, China Merchants Bank microfinance application materials
Id card, marriage certificate.
Property certificate.
At least one address certificate:? Water, electricity, gas, telephone or property management bills.
Select at least one proof of income: salary certificate/bank statement/income tax bill/social security record/other proof of income.
5. Proof of use: China Merchants Bank needs to provide corresponding transaction proof materials.
III. Microfinance Handling Process of China Merchants Bank
Application: The borrower holds valid identity documents and relevant materials required by China Merchants Bank, fills in the credit application form and applies for credit from the handling bank.
Examination and approval: China Merchants Bank investigates the borrower's credit status, conducts examination and approval according to procedures, and informs the borrower of the examination and approval results.
Signing: After the application is approved, the borrower signs a credit agreement with China Merchants Bank, and China Merchants Bank gives the borrower a credit line.
Payment: After obtaining the credit line, the borrower can apply to the handling bank for payment at any time, and the handling bank will release the loan to the borrower's personal account. ? Fourth, the interest rate of China Merchants Bank's microfinance At present, the interest rate of China Merchants Bank's microfinance also fluctuates with the length of the loan period. For example, the annual interest rate within six months is 5.60%, the annual interest rate for one year is 6.00%, and the annual interest rate for three years is higher, which is roughly 6. 15%.
Hello, how to get a loan from China Merchants Bank?
1. Bank outlet: To apply for a loan from China Merchants Bank, users can directly bring relevant information to the counter of a nearby China Merchants Bank outlet to ask the staff to apply for a loan, and then fill in the application form and hand it over to the staff.
2. Online Banking/Mobile Banking: Users can also directly log in to the online banking or mobile banking client to apply. If they apply online, they usually fill in the relevant information and submit it. The bank will conduct an audit and evaluation, and there may be an interview after the audit is passed. Then you can take the relevant information to the bank for a face-to-face interview, and then you can lend money through the bank.
The above is about how to get a loan from China Merchants Bank.
What are the precautions for applying for a loan?
1, you need to know whether you meet the relevant conditions first, and you can also know more about the needs of many banks, which is also because different types of banks have different regulations. Do not meet the relevant provisions, you can choose a variety of forms of housing, do not need to pay liquidated damages;
2. You need to know the required materials before handling, so it will be much easier to sort them out later. In addition, due to the different repayment methods, the initial focus of preparation will be somewhat different. From this point of view, we should consider the content related to the amount and interest, because these are closely related to the prepared materials. Generally speaking, these two aspects are related to the economic profit of users, but each method has its own advantages and disadvantages, which need to be understood clearly when dealing with it;
Many people think that there is no problem when the loan is approved. Actually, it's not. After approval, we should pay attention to repayment on time.
Is there any discount for bank loans?
Whether there is a discount on bank loans depends mainly on the bank's regulations, but banks usually have some preferential policies, but the discount concessions of each bank may be different. If you want to know the specific preferential policies, you can call the bank staff. And you want to enjoy the preferential bank loan, which is usually conditional. For example, the borrower's own income should reach a certain standard, or the assets of the borrower and his family should reach a certain standard, or the borrower is a VIP user of the bank, and so on. Generally, users with better comprehensive qualifications can enjoy the preferential policies of the bank.
How to borrow a credit card loan from China Merchants Bank?
1, online banking.
Log in to China Merchants Bank official website and click "Credit Card" in the top bar of the main page; Then click "e-loan" in "loan installment" and select "click to handle" in the newly opened page; Install security login control and log in to personal bank for electronic loan.
2. Telephone processing.
Call the customer service hotline of China Merchants Bank, directly transfer to manual customer service according to the voice prompt, and apply for e-loan after identity verification.
3, the handheld life APP is handled.
Download the Pocket Life APP, open the latest version of the Pocket Life APP, select "Card Payment" → "E Loan" after logging in, and then try to apply. The system will give the audit results in real time.
After the application is successful, the cardholder will repay the principal and the installment fee in installments, which can be divided into 3 installments, 6 installments, 10, 12 installment, 18 installment, 24 installment and 36 installment. Installment principal and installment fee will be included in the current credit card bill.
It is relatively easy for CMB credit card holders to apply for loans. As long as the credit card is used normally and there is no bad credit record, they can apply for e-loan from the bank. Applicants can apply for e-loan through the Pocket Life App, online banking and calling the customer service hotline.
Extended data:
The credit cards of China Merchants Bank are divided into three grades: ordinary card, gold card and platinum card. Generally, the average card amount is between 3000- 10000 yuan, the gold card amount is between 10000-50000 yuan, and the platinum card amount is above 50000 yuan.
The specific credit card limit is evaluated by the bank according to the information provided by the applicant and the personal credit status. If the applicant's credit status is good, the credit limit will be higher, and the final credit limit will be subject to the audit results.
China Merchants Bank (1987) was established in Shekou, Shenzhen. It is the first joint-stock commercial bank wholly owned by an enterprise as a legal person in China and the first pilot bank to promote banking reform from outside the system.
Since it was first selected into the Fortune Global 500 in 20 12, it has been ranked among the Fortune Global 500 for seven consecutive years, and ranked 2 13 in 20 18.
2065438+On June 26th, 2009, eight banks including China Merchants Bank launched the first batch of enterprise information networking verification systems.
20 19 July, 20 19 released the Fortune Global 500 ranking 188.
20 19, 1 1, "Belt and Road" China 100 top enterprises ranked 85th.
20 19 12, China merchants bank was selected as the brand of 20 19 China brand power festival 100.
20 19 12 18, People's Daily's "China Brand Development Index" 100 list ranked 3 1.
In 2020, 65438+ 10 and 65438+March were selected as winners of 2020 Hurun to Shangyou products.
In March 2020, it was selected as the 74th in the Top 500 Global Brand Values in 2020.
In May of 20021year, it ranked 22nd in "20021Forbes Global Enterprise 2000".
China Merchants Bank is headquartered in Futian District, Shenzhen. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began its public offering in Hong Kong, issuing about 2.2 billion H shares and raising HK$ 20 billion. It was listed on the Hong Kong Stock Exchange on September 22. The net capital exceeds 290 billion, and the total assets exceed 4.4 trillion.
By the first half of 20 17, China Merchants Bank had more than 1800 domestic and overseas branches, set up service outlets in more than 30 cities in Chinese mainland/kloc-0, and had 5 overseas branches and 3 overseas representative offices with more than 70,000 employees. In addition, China Merchants Bank also wholly owns CMB Financial Leasing Co., Ltd. and holds China Merchants Fund Management Co., Ltd., holding 50% equity of China Merchants Cigna Life Insurance Co., Ltd. and 50% equity of Zhaolian Consumer Finance Company; Wing Lung Bank Limited and CMB International Financial Holdings Limited are wholly-owned companies in Hong Kong.