1. meets the basic requirements of our retail loan customers.

2. Foreigners or residents of Hong Kong, Macao and Taiwan must also meet the relevant requirements of the state for foreigners when purchasing commercial housing.

3. Have the ability to repay the loan principal and interest on time. The borrower's monthly loan expenditure should be controlled below 50% (inclusive), and the monthly debt expenditure should be controlled below 55% (inclusive).

4. Personal car loan customers must be local residents where the institution is located.

5. Age plus loan period shall not exceed 60 years old. If two or more applicants apply for a loan, the loan term can be reasonably determined according to the actual situation, but at least 1 the borrower is not over 60 years old. Unless otherwise stipulated by the local regulatory authorities, the relevant regulations of the local regulatory authorities shall prevail.

6. Other conditions stipulated by this institution.

What are the basic requirements of retail credit customers?

1. has legal and valid identification.

2. Age plus loan period shall not exceed 70 years old. If two or more applicants apply for a loan, the loan term can be reasonably determined according to the actual situation, but not all borrowers are over 70 years old with loan years. Unless otherwise stipulated by the local regulatory authorities, it shall be implemented in accordance with the relevant regulations of the local regulatory authorities.

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. The credit is good, and the credit record meets the requirements of our bank. At present, there is no default in the loan business handled by our bank.

Application materials generally required for applying for a loan:

1. Identification information

2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.

3. Proof of local residence: a fixed telephone bill for any three months in the last year, or a utility bill such as a water and electricity bill, or other materials that can prove the address.

4. Guarantee certification materials

5. Proof of use: provide the invoice for the full amount of car purchase before the loan is issued, or provide the car purchase agreement (contract) plus the down payment invoice (or the receipt stamped with the dealer's official seal). After the loan is issued, the full car purchase invoice (if not provided before the loan is issued) and the vehicle purchase tax payment certificate must be provided. & ltbr & gt

6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account flow or personal tax bill, etc.

If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.

If you have any questions, I suggest you consult "Customer Service Online" /cmu/icslogin.aspx of China Merchants Bank? from = B& amp； Logincmu=0, we will serve you wholeheartedly!