If it is a mortgage loan of China Merchants Bank, only real estate is accepted as mortgage at present; If you need to apply for "personal automobile mortgage", you can use the purchased car (brand-new non-operating car) as a mortgage application; If you have unexpired time deposits, certificates of deposit, etc. You can also try to apply for a pledge loan.

If you have a smart card of China Merchants Bank, you can log in to the mobile banking, click My-All-Loan-I want a loan, and try to check whether you are qualified to apply for a "lightning loan" through this interface. If so, you can try to apply.

If you can't apply, it is suggested that you can apply for mortgage, car loan and consumer loan. Depending on the purpose of the loan. This kind of loan is earmarked and paid directly to the counterparty, so you can't borrow money.