China Merchants Bank's personal loan, accepting commercial houses and commercial houses with clear property rights and strong liquidity as collateral, must meet the following conditions:

1. The property used for mortgage and the lending institution must be located in the same city, and the mortgage loan for individual house purchase does not accept collateral from different places;

2. Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral;

3. The property right certificate has been completed, and the mortgage registration is handled in a clear way, and there are no adverse liquidation situations such as property rights disputes;

4, with water, electricity, environmental protection transportation, urban construction, property management and other supporting facilities and services are complete, with or without problems,no..

5. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the age of the loan/credit period is not more than 40 years in principle; Collateral for commercial housing, the age of the house is generally not more than 20 years, 30 years;

6. The original commercial house is mortgaged for 6 months.

Check with the handling bank whether your house meets the requirements.

I bought affordable housing. Can I apply for a loan?

Affordable housing can use provident fund loans, but you have to meet the conditions of provident fund loans to apply.

A person must meet the following conditions:

(a) employees with permanent residence or valid residence identity certificate within the administrative area of this Municipality.

(2) At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan.

(three) there is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing.

(4) Having a relatively stable occupational and economic income, having the corresponding loan repayment ability, and having a good personal credit.

(5) Having assets recognized by Chengdu Provident Fund Center as collateral or pledge, or having a unit with sufficient compensatory capacity as guarantor. (6) Other conditions stipulated by Chengdu Provident Fund Center.

3. Can I apply for a loan for affordable housing?

Affordable housing can apply for loans. Individuals who purchase affordable housing can apply for loans from commercial banks and housing provident fund management centers at the same time. Of course, employees need to meet the corresponding conditions when applying for provident fund loans. When applying for affordable housing loans, in addition to the relevant application materials for individual housing loans, it is also necessary to provide the approval certificate for purchasing affordable housing, which is generally issued by the local city and county people's governments to see whether the applicant's family income meets the low-income level and whether the housing meets the prescribed housing difficulty standards. What is the process of applying for a loan: 1. Loan buyers first consult the bank for loan conditions and materials to be provided; 2. Loan buyers sign a purchase contract with the developer to pay the down payment; 3 loan buyers fill in the loan application form and submit the application materials required by the bank; 4. Check the number of family houses from the bank to the real estate bureau; 5. Enter the formal loan approval process, and the bank will review the materials submitted by the applicant and decide whether to give the applicant a loan; 6. The borrower shall confirm the conclusion of examination and approval or provide supplementary certification materials; 7. After confirmation by both parties, approval by the bank, filing mortgage procedures, and formal lending, the loan buyer will repay the loan on time according to the prescribed repayment method. Legal basis: Measures for the Administration of Affordable Housing Article 9 When applying for a loan from a commercial bank, an individual shall not only comply with the provisions of the Measures for the Administration of Individual Housing Loans, but also issue a notice of approval from the competent department of affordable housing of the people's government of the city or county. The purchase of affordable housing can withdraw individual housing provident fund, and give priority to housing provident fund loans.