China Merchants Bank. \ x0d \ x0d \ personal consumption credit loan business refers to the loan business that meets the conditions of our bank and does not need to provide guarantee. \x0d\ loan amount \x0d\ The minimum credit loan amount is 50,000 yuan, the maximum loan amount is not more than 3 million yuan, and the maximum loan amount for private drilling customers is not more than 5 million yuan. At the same time, we must meet the requirements of each specific product. \x0d\ Loan/credit amount \x0d\ The maximum loan/credit amount is 6,543.8+0,000 yuan. At the same time, it shall not exceed 24 times of the monthly income that the borrower can clearly identify, or 30% of the family net assets converted by the customer. If the customer has applied for personal consumption loan through credit in our bank, the existing credit line will be deducted on the basis of the above-mentioned credit line. \x0d\ Loan Term \x0d\ The longest term of credit line shall not exceed 5 years, and the longest term of a single loan or credit line shall not exceed 3 years. \x0d\ loan interest rate \x0d\ loan interest rate shall not be lower than 0.9 times of the benchmark interest rate.