2. Medium and long-term loans: the interest rate is 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years;

3. Discount: add the discount rate as the lower limit;

4. Personal housing public rental loan: the interest rate for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%.

The above is the relevant content of the commercial loan interest rate of China Merchants Bank in 2022.

How to handle real estate mortgage loan in China Merchants Bank

1. The borrower prepares the loan-related materials in advance;

2. Clearly apply to China Merchants Bank for housing mortgage loan;

3. After submitting the information of house inspection and evaluation, the bank shall conduct on-site investigation and evaluation on the pledged property according to the submitted information. Each stage is an important part of the steps of housing mortgage loan. At this stage, the user's housing mortgage loan amount is directly determined. Generally speaking, there will be some differences between the evaluation and the market price, because the evaluation agency will consider many factors;

4. Submit the loan approval, and submit all loan review materials and analysis reports or investigation reports to the bank for review. At this time, the loan user must pay attention and prepare all the materials. If something is missing, it will affect the progress of the loan.

China Merchants Bank mortgage approval process

1. Apply for a trial: when the customer service submits the materials, the staff will conduct a preliminary review to see if it meets the requirements of the loan, and if it does, it will try its loan application;

2. Material handling: After hearing the loan application, the approving personnel of the relevant departments will check the materials submitted by the customer service, mainly to see if they are true;

3. Loan approval: After the materials are verified correctly, they are submitted to the superior unit for re-examination, which is also called approval;

4. Prepare the next payment: the examination and approval meeting will inform the borrower that the mortgage application is approved, and the borrower will go to the bank to sign the contract;

5. After the house payment is successful, the bank will put the money into the account of the real estate agent and then notify the borrower.

Characteristics of time deposits of China Merchants Bank

1, high stable profit: the interest rate is high, and the interest rate level is positively related to the duration and the starting amount;

2. Convenient funds: before the maturity of the time deposit, the time deposit can be converted into a current account by full advance transfer or partial advance transfer, and the remaining amount of some advance transfer accounts cannot be lower than the initial deposit amount of the goods;

3. Low minimum deposit amount: the minimum deposit amount is RMB 65,438+0,000, RMB 5,000, RMB 50,000 and RMB 654,380,000;

4. There are many options for the deposit period: the deposit period is divided into three months, six months, one year, two years, three years and five years.

Basic situation of microfinance in China Merchants Bank

1,1a natural person aged from 8 to 65, with full capacity for civil conduct;

2. Have a fixed job and stable income, provide bank statements within two years, and have the ability to repay the principal and interest of the loan;

3. Excellent credit record and obvious repayment intention;

4. Can provide legal and effective guarantee;

5. Provide proof of funds, such as houses and cars.

This article is mainly about the knowledge of commercial loan interest rate of China Merchants Bank in 2022, and the content is for reference only.