1. Have legal residence status;

2. Have a stable career and income;

3. Have the ability to repay the loan principal and interest on schedule;

4. Be able to provide assets recognized by the lending bank for mortgage or pledge, or have a guarantor that meets specified conditions as a guarantee;

5. Have a house purchase contract or agreement;

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6. Other commodity housing loan conditions stipulated by the bank.

The above is an introduction to the conditions for commercial housing loans. Through the above, I believe everyone has an understanding. I hope it will be useful to everyone.