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When purchasing a commercial-residential house, is it a residential loan or a commercial loan when taking a bank loan?

Residence loans.

Transaction taxes and fees are also paid according to the residence. In addition, the loan period may not necessarily be 30 years. This depends on your age and the age of the house. Generally, sub-new houses can be loaned for 25-30 years. between years.

Depending on the nature of the land, if the land is for commercial use, the term is 10 years; if the land is for residential use, the term is 30 years. Of course, different regions may have different bank policies. It is best for you and the seller to go to the bank with the property and land certificate to ask.