If you apply for a loan from China Merchants Bank, our bank has personal consumption loans, which are issued by our bank to natural persons for personal or family legitimate consumption purposes, such as car purchase, parking, decoration, education, bulk shopping, tourism and so on. , generally secured by real estate mortgage. You need to provide your personal information and proof of the specific use of funds, and apply through the counter personal loan department.

Generally, commercial housing is used as collateral, and the mortgage rate shall not exceed 70% of the present value of real estate appraisal; Where commercial houses are mortgaged, the mortgage rate shall not exceed 60% of the net value of real estate appraisal or 50% of the present value of appraisal. For educational purposes, the term shall not exceed 8 years (inclusive).