How does China Merchants Bank do its personal loan business?

If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank outlets. Each loan project requires different conditions and application materials. Please dial 95555 at 8:30- 18:00, select "2 manual service-"1"personal banking-"4 "personal loan business to enter manual service, and provide detailed information on loan purpose and city. Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank. It is necessary to clarify the purpose of the loan when handling the loan through our bank. At the same time, due to the different loan business and application criteria in different cities, it is suggested that you use a browser (computer: macbookpro mos 14 to open google version 92.0.4515.131) to log in to "online customer service" for detailed consultation (website: /CMU). from = B& amp； logincmu=0).

Specific process:

1. The borrower fills in the application form at the loan handling office with valid ID, pledge certificate, mortgage certificate and guarantor's guarantee, and the bank will reply to the borrower within 15 days after investigating the borrower's guarantee and credit standing.

2. After the borrower's application is approved, it shall sign a loan contract and corresponding guarantee contract with the bank.

3. During the validity period of the credit line and the available credit line, the borrower can use it at any time. When using it, he has to fill in an IOU to use a single loan. The bank will transfer the loan funds into the account agreed in the contract.

4. The borrower can recycle the loan within the validity period of the loan amount, and the available amount is the difference between the loan amount approved by the bank and the principal balance of each loan under the loan amount. After the borrower withdraws the loan every time, the available amount will be deducted accordingly, and after the borrower returns the loan principal every time, the available amount will increase accordingly.

5. Before the limit expires, the borrower shall pay off all the loan principal and interest under the limit, and go through the formalities of mortgage and pledge registration cancellation at the bank within 20 days after paying off the loan principal and interest, and the loan contract signed between the borrower and the bank will automatically terminate.

Extended data

Types of personal loans

I. Personal housing loans

1 Personal housing commercial loan Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank with the purchased property right housing as the guarantee for repayment of the loan when purchasing the urban self-occupied housing in this city.

2, personal housing provident fund loans

Personal housing provident fund loans are entrusted loans issued by policy housing provident fund. When employees who have paid housing provident fund purchase, build, renovate or overhaul their own houses in cities and towns in this city, they will apply to the bank for housing provident fund loans with their own property houses as collateral to repay the loans.

3. Individual housing portfolio loans

Borrowers who meet the conditions of commercial loans for individual housing can apply for personal housing provident fund loans from banks at the same time, that is, borrowers can apply for personal housing provident fund loans and personal housing commercial loans from banks at the same time with the urban self-occupied housing purchased in this city as collateral.

Second, personal automobile consumption loans.

Third, personal durable consumer goods loans.

Fourth, personal commercial loans.

V. Personal document pledge loan

Intransitive verb personal micro-loan

Personal micro-credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. Based on personal credit and repayment ability, the loan amount generally does not exceed 1-200,000, and the loan term varies from1-2 years.

Seven, personal non residential mortgage loans

1, installment loan

2. Repay the loan in one lump sum