1. Credit record: The borrower's credit record is one of the important bases for banks to approve commercial loans. The bank will check the borrower's credit report, including the borrower's debt status and whether there is any overdue record. At the same time, you can also obtain detailed risk reports through credit inquiry tools, such as using Beijian Quick Check.

2. Income stability: the bank will review the income of the borrower, including fixed salary and self-owned business income. Generally, borrowers are required to have a stable source of income and can provide relevant supporting documents.

3. Down payment ratio: Banks usually require borrowers to pay a certain percentage of down payment. Generally speaking, the down payment of commercial mortgage is between 20% and 30%. The specific amount will depend on factors such as the value of the house and the credit status of the borrower.

4. Loan quota ratio: The quota of commercial loans is usually limited by the house valuation, and the bank will determine the quota of commercial loans according to the house valuation. Generally speaking, the amount of commercial loans will not exceed 80% of the house valuation.

5. Age limit for borrowers: Different banks may have different age limits for borrowers. Generally speaking, borrowers need to be 18 years old and under 70 years old.

In addition to the above conditions, we also need to pay attention to some other factors, such as whether the borrower's credit record is good, whether there are other loans, and whether it has repayment ability.