To apply for a loan from China Merchants Bank, you must be a People's Republic of China (PRC) citizen with full capacity for civil conduct, with legal and valid identity certificates, and not over 70 years old. If two or more applicants apply for a loan, the loan term can be reasonably determined according to the actual situation. However, not all borrowers are over 70 years old, have the ability to repay the loan principal and interest on time, abide by the law, be honest and trustworthy, have no illegal acts, have not been involved in any criminal or civil cases against them at present, have good credit, meet the requirements of our bank, and have no breach of contract in the loan business handled by our bank at present.