Service Features    Service Channels    Target Clients     Applicant's Qualification 
Loan Limit     Loan Period    Interest Rate    How to Apply 

As a holder of China Merchants Bank "All-in-one-card", you may apply for a loan after signing an agreement with CMB and apply through self-help channels such as Telephone Banking (service phone No.95555), Internet Banking and Self-service banking Terminals with your own RMB or foreign exchange fixed deposit in CMB as collateral. The loans can also be paid　back through the aforementioned self-help devices.

Service Features

1. "Get loans without going to bank"– Application for loan and extension, repayment, and conversion of debts can all be done through self-help devices.
2. Subject to no limit in banking hours.
3. Flexible loan period: from 1 day to 12 months.
4. Convenient debt conversion as you wish: You may apply for extension at any time before due date; you may also rollover (apply for new loans to repay the old loans) within 30 days after due time.
5. Fixed deposits in many currencies accepted for collateral: including RMB, USD, HK dollar and Japanese yen.

Service Channels
1) Channel for application of Self-service Loans Service: counters of China Merchants Bank
2) Channels for application and repayment of loans: Telephone Banking, Internet Banking and Self-service banking terminals.

Target Clients
Citizens of People's Republic of China with full civil rights, who have opened their respective All-in-one-card account with their People's Republic of China Resident ID Card.

Appliers' Qualification
After activating Self-service Loan Service at China Merchants Bank, the applicant applies for a loan by surrendering time deposits or Withdraw Interest on Fixed Principal deposits in his or her All-in-one-card account as collateral. China Merchants Bank accepts fixed deposits in RMB, USD, HK dollar and Japanese yen for collateral.

Loan Limit
The lowest limit of a loan is RMB1,000 yuan, while the maximum is decided by stipulated proportion of loan-to-collateral; and the same time it should not exceed the approved loan limit for a "All-in-one-card".

Loan Period
Within 12 months (inclusive)

Interest Rate
Subject to short-term loan interest rates prescribed by People's Bank of China, computed by days. Extended loans are subject to new interest rates (loan terms decided by extended period plus original period).

How to Apply
1) Apply for a loan limit first: Please take your identity proofs and your All-in-one-card to any banking offices of CMB, apply for activating the service after signing an agreement; this service is immediately available as loan limit is approved.
2) You may also carry your identity proofs, fixed deposit receipt or All-in-one-card directly to your bank where you opened your account and apply for a loan over the counter.