Hello, if you apply for a loan through our bank, the customer needs to provide specific proof of the use of the funds. Generally, the loan handling bank will first review the customer's loan purpose (different loan products correspond to different purposes), and the loan purpose can meet the requirements before applying. At the same time, it will comprehensively evaluate factors such as collateral, personal credit and repayment.

The loan interest rate, amount, term and other factors need to be combined with the comprehensive factors such as the business type, credit status and guarantee method you apply for, and can only be determined after approval by the handling outlets. Take consumer loans in Shenzhen as an example: general customers need to use the property with complete documents as collateral to handle personal or family loans for legitimate consumption purposes, such as car purchase, decoration, education, bulk consumption shopping, tourism and so on. The personal consumption loan/credit line of a single loan shall not exceed the transaction price specified in the provided use information, and shall not exceed 2 million yuan (inclusive). If commercial housing is used as collateral, the mortgage rate shall not exceed 70% of the present value of real estate appraisal.

At that time, please refer to the audit results of the loan handling bank. If you have any other questions, please visit Online Customer Service (website: /cmu/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!