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                            Harbin Merchants Bank Housing Mortgage Loan

China Merchants Bank - Housing Mortgage Loan

China Merchants Bank Harbin Branch
Loan time:
7 days for approval and 30 days for loan
Suitable area:
Harbin
Loan qualification test

Interest rate description:Updated on September 10Notify me of changes

Property Type Number of sets Common approved interest rate Lowest interest rate Maximum interest rate Down payment ratio
Residential First suite 1.1 times(5.39%) 1.05 times (5.15%) 1.2 times (5.88%) 20% down payment
Residential Second suite 1.1 times(5.39%) 1.1 times(5.39%) 1.2 times (5.88%) 30% down payment
Commercial Unlimited number of sets 1.15 times(5.64%) 1.1 times(5.39%) 1.2 times (5.88%) 50% down payment
Bank interest rates will vary depending on time, place of acceptance, and applicant's credit status. The above data is for reference only.I have to correct it!
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Commercial loan amount
Ten thousand yuan
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Commercial interest rate
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Application conditions
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1. A natural person who has full civil capacity and meets the conditions stipulated by China Merchants Bank;
2. Have legal and valid identification (such as resident ID card, household registration book or other valid residence permit);
3. Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;
4. A contract or agreement to purchase a house with legal effect has been signed;
5, able to pay the first purchase of the house not less than 30% of the total purchase price;
6. Agree to use the purchased house as collateral, or provide the assets approved by China Merchants Bank as collateral or pledge, or have a unit or individual with qualifications and sufficient compensability as the guarantor to repay the principal and interest and assume joint and several liability;
7. Other conditions stipulated by China Merchants Bank.


For all customers who need to purchase first-hand or second-hand properties or first and second homes
Personal monthly income is not less than 6,000 yuan;
Continuous work or business years of not less than one year.
materials needed
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                    1. The identity document of the borrower;
2. Proof of the marital status of the borrower;
3. Proof of repayment ability of the borrower;
4. Proof of the first payment for the purchase of the house;
5. A legal and valid housing sales contract signed between the borrower and the seller;
6. If there is a joint borrower, the co-borrower shall provide identity documents and other relevant supporting documents as required, and fill out the “China Merchants Bank Personal Real Estate Loan Application Form” as required;
7. If the borrower who meets the qualification requirements sets the mortgage for other houses other than the purchased house, it shall provide the collateral real estate rights certificate, the identity of the collateral owner and the co-owner's identity document and the written commitment to agree to the mortgage;



1, ID card, marriage certificate
2. Proof of address [at least one of them]:
Bills for water, electricity, gas, telephone or property management
3. Proof of income [at least one of them]:
Salary certificate / bank flow / income tax bill / social security record / other income certificate
4. Proof of use:
Provide corresponding purchase contract
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