Hello, if you want to apply for a loan from China Merchants Bank, you must have a local China Merchants Bank, the borrower must be over 18 years old and have proof of repayment ability. If the above 3 points are met. Could you please provide the purpose of the loan? Is it buying a house or a car, consumption or business, studying abroad, etc.? In addition, if there is no collateral, 1. Our bank has personal credit loans (salary loans, direct loans with gold cards or above), but the requirements for borrowers are relatively high (generally higher-end customers, such as deposits with our bank) (more customers, or civil servants, etc.), you need to contact the loan department of the nearest China Merchants Bank to confirm whether you can apply. 2. Check whether you have fixed term, treasury bonds, fiduciary financial management, foreign exchange trading special account funds, personal life insurance policies, etc. under your name for mortgage to the bank. 3. If you are starting a business, our bank currently does not offer personal business loan business. 4. For investment purposes, you cannot apply for a loan at the moment. 5. Students are currently only eligible for study abroad loans.