China Merchants Bank accepts commodity housing/commercial housing with clear products and strong liquidity as collateral, and requires that the property right certificate has been settled, can be listed and circulated, and can be registered according to law. There are no unfavorable liquidation situations such as property rights disputes. Specific suggestions are to directly contact the personal loan department of local outlets for consultation.

The following conditions must be met:

Handling in the same city: Mortgaged real estate and loan handling outlets must be in the same city, and remote mortgages are not accepted.

Do not accept the real estate with the appraised present value ≤654.38+ million as collateral;

It has a title certificate with clear property rights, which can be listed and circulated, and can handle mortgage registration, and there are no property rights disputes and other situations that are not conducive to liquidation;

Strong mobility: the real estate structure is good, the facilities and services such as water and electricity, transportation and property management are complete, there are no disputes and problems, and it is not within the scope of government planned demolition;

The age of the mortgaged commercial house is ≤20 years, and the loan/credit term+age is ≤40 years; The age of the mortgaged commercial house is ≤20 years, and the loan/credit term+age is ≤30 years.

In principle, commercial housing that has been idle for more than 6 months is not accepted as collateral.

Tips:

Whether your property meets the requirements, please contact the personal loan department of local outlets for consultation and confirmation.