1. Take the first suite as an example. If you buy a new house with an area of not more than 90 square meters, the down payment can reach at least 20%. Take the second suite as an example, the minimum down payment for buying a house is 50%. The benchmark interest rate is 4.35%. At present, the down payment for buying a house in China is generally 20% of the total amount. 2. The basic condition of commercial housing mortgage loan is that the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan; The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence. 3. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability, liquidity of the purchased house and other factors. We agree to register the pre-purchased commercial housing as mortgage first, and promise to use the purchased house as loan mortgage, and re-register the mortgage after the purchased house is completed and the real estate license is obtained.