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                            Linyi Merchants Bank second-hand housing loan

China Merchants Bank - second-hand housing loans

China Merchants Bank Linyi Branch
Loan time:
2 days for approval and 7 days for loan
Suitable area:
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 Benchmark(4.90%) Benchmark (4.90%) Benchmark (4.90%) Up to 70% of loans (minimum down payment of 30%)
Residential Second suite 1.1 times(5.39%) 1.1 times(5.39%) 1.3 times (6.37%) Up to 60% of loans (minimum down payment of 40%)
Commercial Unlimited number of sets 1.1 times(5.39%) 1.1 times(5.39%) 1.2 times (5.88%) Up to 50% loan (minimum down payment of 50%)
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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Set number requirements: the first suite is a second-hand house;
Age requirements: up to 20 years;
Working years: working in the current unit for more than one year;
materials needed
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                    1. Borrower (and spouse) identification, household registration certificate, marriage certificate;
2. Proof of income: a copy of the business license of the attached unit shall be provided by the human resources department of the unit according to the bank format;
3. If the borrower or his or her spouse is the legal representative of the unit, the company's articles of association and recent statements are required;
4. Other credit certificates: other property certificates, vehicle driving licenses, securities statements, etc.;
5. For the original settled loan, the original bank loan contract and settlement certificate shall be provided;
The following circumstances require a notarial certificate: 1. Unmarried men and women friends buy a house; 2. Many people buy the same subject house;
                    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.
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You are enteringLinyi Station,
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loan amountTen thousand
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