Commercial loans must have a tax payment certificate or social security certificate for one year or more, and must obtain the qualification certificate for buying a house in Dalian! Specific loan conditions: commercial loan: 1, flow chart:? 6? 1 Preliminary review (both the buyer and the seller are present at the same time to sign the loan contract)-Examination and approval by the municipal bank-Examination and approval-tax declaration-transfer-evidence collection-mortgage-delivery of other warrants-loan? 6? 12, condition:? 6? 1 condition:? 6? 1 1: The number of commercial buildings shall not exceed 50%; The loan term is generally 5 years, with the longest not exceeding 10 year; Collect additional insurance premium; ? 6? 12: Have a stable income? 6? 13: loan period+house age ≤40 years? 6? 14: Old Red agricultural registered permanent residence cannot get a loan? 6? 1 second suite definition: banks determine the number of housing units and loan units based on the borrower's family (including the borrower's spouse and minor children), and recognize the housing and loan. Public loan conditions: 1. The borrower has paid the provident fund in four districts of the city or Lushun, Development Zone, Jinzhou, Wafangdian, Pulandian, Zhuanghe and Changhai for one year, counting down from the last remittance month 12 months, and the account opening time is one year; ? 6? 12. If the provident fund is not paid normally for more than 65 days from the last remittance date, it is "unpaid", and the loan will not be granted if it is not paid; ? 6? 13, Dalian Development Zone, with a maximum loan of 300,000 for an individual and 500,000 for two persons (immediate family members); ? 6? 14, and the loan amount shall not be higher than 60% of the contract price and the appraised value of the house; (If the house area is less than 90 square meters, and the house age is less than 5 years, and the borrower fails to repay the loan, 70% can be loaned). 6? 15. The loan period plus the house age shall not exceed 40 years and the statutory retirement age of the borrower (male: 60, female: 55), with a maximum of 30 years; ? 6? 16, soldiers may not be the main borrowers; ? 6? 17, commercial and residential use, apartments (as the case may be), public buildings, luxury houses (villas) are not allowed to lend.