1. has legal and valid identification.

2. At least 18 years old, and the age plus loan period shall not exceed 70 years old.

3. Have the ability to repay the loan principal and interest on time.

4. Abide by the law, be honest and trustworthy, and have no illegal acts. At present, there are no criminal cases or civil cases against them.

5. Good credit, no overdue loans and credit cards in the name of the customer and his spouse at present, and the credit record meets the product access requirements.

If you meet the loan conditions, you can try to apply to our bank. The application requirements and conditions of various loan types are different. First of all, what is the purpose of your loan? Our loans are issued for specific loan purposes (such as buying a house, buying a car, running a business, studying abroad, etc.). ), and when applying for a loan, relevant supporting materials must be provided according to the "loan purpose". Due to the different types of loans provided by branches, it is suggested that you log in to the homepage of China Merchants Bank first, click "Online Customer Service" in the upper right corner, and select manual entry. After providing the opening city and loan purpose of the one-card account, you can check whether the local branch has the loan type, application conditions and materials you need to provide.