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                            Huizhou China Merchants Bank Personal Housing Mortgage Loan

China Merchants Bank - Personal Housing Mortgage Loan

China Merchants Bank Huizhou Branch
Loan time:
Approval for 10 days, 30 days for loan
Suitable area:
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 Benchmark(4.90%) 5% off (4.66%) 1.2 times (5.88%) 30% down payment
Residential Second suite 1.1 times(5.39%) 1.1 times(5.39%) 1.2 times (5.88%) 40% down payment
Commercial Unlimited number of sets 1.2 times(5.88%) 1.2 times(5.88%) 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
Loan term
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Application conditions
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Revenue requirements: The monthly income before tax is more than 5,000 yuan, and bank flow is required;
Working years: working in the current unit for 6 months;
The loan period: the sum of the age of the applicant does not exceed 70 years;
Age requirement: only one new house;
The collateral is located in Huizhou.
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:
    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:
    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.
I have to ask a question
You are enteringHuizhou 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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