If it is a personal loan of China Merchants Bank, commercial housing and commercial premises with clear property rights and strong liquidity are accepted as collateral, and the property right certificate must have been handled, the property right is clear, it is listed and circulated, the mortgage registration can be handled according to law, and there are no adverse liquidation situations such as property rights disputes. Whether your house meets the requirements needs to be confirmed with the handling bank when you apply for a loan.