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                            Shenzhen China Merchants Bank Housing Mortgage Loan

China Merchants Bank - Home Mortgage Loan

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

Interest rate description:Updated on September 03Notify 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%) 1.1 times (5.39%) 1.2 times (5.88%) 30% down payment
Residential Second suite 1.15 times(5.64%) 1.15 times(5.64%) 1.25 times (6.13%) Starting from 70%
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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Application conditions
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1. The privately-produced house that has obtained the “Building Ownership Certificate” is for residential use, with clear property rights and unrestricted transfer without mortgage.
2. Determining the loan term: loan term + age of housing < 30 years ( age of housing = year of loan processing - number of years of housing completion + 1), length of loan + age of borrower < 60 (male); < 55 (female)
(Certified by civil servants and teachers can be extended for 5 years)
3. The fixed amount of the loan is: The loan amount <the mortgage value of the house *70%.

Remarks:The term of personal housing loans is 1-30 years; the credit for commercial houses is 30 years, and the maximum length is 10 years. Affordable housing, the age of the house must be 5 years.

materials needed
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                    First-hand housing application materials:
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 the corresponding purchase contract.

Second-hand housing application materials:
1. ID card, marriage certificate;
2. Proof of income [at least one of them]: salary certificate / bank flow / income tax bill / social security record / other income certificate;
3. Proof of use: Provide the corresponding purchase contract.

Commercial housing loan materials:
1. ID card, marriage certificate;
2. Proof of income [at least one of them]: salary certificate / bank flow / income tax bill / social security record / other income certificate;
3. Proof of use: provide the corresponding purchase contract
Repayment instructionsEarly repayment calculator
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Early repayment: The principle is to make an appointment with the bank one month in advance, but you can contact the account manager when you first apply for the loan. Each branch will arrange 2 days a week to repay the loan in advance, and the minimum repayment amount is 10,000 yuan. There is no limit to the number of times.
Repayment method: equal principal and interest (same monthly repayment amount), equal principal (return monthly repayment, maximum in the first month)
                    Mortgage loan question and answer
  • problem:
  • Reply:
    Yes, the third party can be the borrower and the real estate owner can act as the mortgagor. You can also apply for an unsecured bank loan if you have a property.
    2016-10-01
  • problem:
  • Reply:
    2 to 3 weeks have the approval result clear interest rate, amount. Then go to the trading center to transfer, the name of the certificate is changed to 5 to 7 working days after the lender.
    2016-09-21
  • problem:
  • Reply:
    Guide: Guangzhou's first suite interest rate has been the lowest in the first-tier cities. As the four major banks raised their first-home interest rates in Guangzhou, Guangzhou's mortgage advantage has also narrowed. The reporters have been confirmed by four major banks in China, agriculture, industry and Jianguo. From April 1st, the minimum interest rate discount for the first-home loans of the four major banks in Guangzhou will be increased from 15% to 10%. Some insiders said that in terms of housing loans, the four state-owned banks have higher volume and low cost of capital, and the pricing power is higher. If the four major banks raise the interest rate discount on Guangzhou mortgage loans, other banks will ||132878
    2017-07-18
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