Before buying a house, many people will buy a house by applying for a personal housing loan. For those who have limited repayment ability, I personally suggest that everyone comprehensively evaluate their repayment ability, and it is best to act according to their own ability. If a person buys a house blindly for the sake of buyers, his risk tolerance will be further reduced, and some people may suddenly stop paying for it because of accidents, which will seriously affect a person's quality of life.
To apply for housing loan in China Merchants Bank, it is necessary to comply with the local housing purchase policy. For specific policies, please consult the loan department of local China Merchants Bank, and the age plus loan period shall not exceed 70. You need to provide proof of identity, proof of use, proof of income, etc. , and contact the loan handling bank for consultation.
If you need to apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the property, Silent, and give the information to the staff. If not, you need to directly contact the personal loan department at the local counter to provide personal information and the purchased property for application.
If you need to apply for a second-hand real estate loan, you usually apply for a loan from the bank first, and then go through the formalities of property transfer. You can provide your specific information and purchased real estate by contacting the local counter personal loan department, and the counter personal loan department will review your comprehensive situation to determine whether you can handle the rough failure.