Specific reasons: commercial loans cannot be borrowed by two people alone, but commercial loans can be converted into provident fund loans.

Detailed reasons:

Commercial loan application conditions:

1, with legal residence status;

2. Have a stable occupation and income;

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

4. There are assets that can be mortgaged or pledged as recognized by the lending bank, or (and) there are guarantors who meet the prescribed conditions to provide guarantees for them;

5, there is a contract or agreement to buy a house;

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

7. Other conditions stipulated by the lending bank.