When applying for personal loans at China Merchants Bank, real estate is generally used as collateral. If there is no collateral, you can try to apply for a "personal consumption credit loan", which can only be used for personal consumption purposes (including car purchase, decoration, teaching materials, bulk consumption shopping, tourism, etc. ), and you need to provide proof of use when applying. Because you don't need collateral, the review is strict, and you need to submit relevant materials to the personal loan department of the local China Merchants Bank for application, which can only be determined after the comprehensive approval of the outlets.