1, a natural person with full civil capacity, aged between 18-60 years old;
2. Have a proper occupation and stable economic income, and have the ability to repay the principal and interest of the loan accordingly;
3. Use the assets recognized by the lender as collateral or pledge, or use individuals or units with sufficient loan repayment ability as guarantors to repay the loan principal and interest and bear joint and several liabilities;
The purpose of buying goods is personal or family use.
Commercial housing mortgage loan application materials:
1, valid identity document and household registration certificate, marital status certificate and personal income certificate;
2. Relevant materials or documents (sales contracts, agreements or other valid documents) to confirm consumption behavior;
3. The invoice that the down payment has been paid according to the specified proportion of the price of the purchased commercial house;
4. Loan application form (available at bank outlets);
5. Other materials required by the bank.