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                            Foshan China Merchants Bank Housing Mortgage Loan

China Merchants Bank - Housing Mortgage Loan

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

Interest rate description:Updated on August 27thNotify 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%) 40% 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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                                We would like to thank you for your feedback on the valid data provided by you!
Commercial loan amount
Ten thousand yuan
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Commercial interest rate
Loan term
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Application conditions
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1. Age requirement: the maximum is no more than 20 years;
2. Valuation requirements: at least 1.5 million or more;
3. The collateral is located in Foshan City;
4. Working years: working in the current unit for 6 months;
5. The loan period: the sum of the age of the applicant does not exceed 70 years.
materials needed
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                    1. Copy of the applicant's ID card
2. Copy of spouse ID card
3. Copy of marriage certificate (marriage certificate, unmarried statement, divorce certificate)
4. Proof of work income
5. Asset certificate (6 months bank flow driving license other real estate license)
6. Copy of the sales contract
7. Deposit slips
8. Hukou copy
9. Existing property search list
Repayment instructionsEarly repayment calculator
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Early repayment: repayment in advance, loan issuance less than 12 months, liquidated damages are 1% of the remaining principal of the loan; loans are issued for 12 months without payment of liquidated damages
Repayment method: equal principal and interest, equal principal
Can be repaid in advance, the loan is issued less than 12 months, the liquidated damages are 1% of the remaining principal of the loan; the loan is issued for 12 months without paying liquidated damages
                    Mortgage loan question and answer
  • 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.
  • 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.
  • problem:
  • Reply:
    Hello there! You need to meet the general regulations and the following special regulations in order to make a loan. 1. Hong Kong, Macao and Taiwanese nationals should live in the mainland for one year, age 25 - Natural persons with full civil capacity between the ages of 55; 2. Hong Kong, Macao and Taiwanese persons should have at least one set of self-owned housing within the branch of the loan bank. The house can be shared by the couple; 3. Hong Kong, Macao and Taiwan The person in charge shall provide a corporate shareholder or key management personnel with local household registration as the contact person and issue a power of attorney approved by the loan bank; 4. The main place of residence and workplace of Hong Kong, Macao and Taiwanese persons shall be within the mainland, only in the mainland. Hong Kong, Macao and Taiwanese who have short-term stays are not allowed to accept the case; 5. The actual business enterprise is legally registered and established in the mainland, and has actually operated for more than two years.
I have to ask a question
You are enteringFoshan Station,
You need to apply for a loan in the city where you work and live.
Financial institutions will only accept it.

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loan amountTen thousand
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Loan term
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