1, the one-year commercial loan interest rate was adjusted from 3.80% to 3.70%, down by 0. 1 percentage point.

2. The interest rate of five-year commercial loans was adjusted from 4.65% to 4.60%, down by 0.05 percentage point.

Conditions that commercial loans should meet.

1, with legal residence status; Have a stable occupation and income; Have the ability to repay the loan principal and interest on time; There are assets that can be mortgaged or pledged as recognized by the lender, or (and) there are guarantors that meet the prescribed conditions;

2. There is a purchase contract or agreement;

3. When applying for a loan, there is a deposit of not less than 30% of the funds needed for buying a house in the bank. If the advance payment for house purchase has been paid to the selling unit, the original and photocopy of the payment receipt are required;

4. Other conditions stipulated by the lending bank.