There are two conditions for applying for a commercial loan in Wuxi, 1. You can have a Wuxi hukou or a collective hukou. 2. You must pay social security in Wuxi for one year in a row and go to the social security center to make a statement. You've done it before, or so can your girlfriend. Besides, I need proof of income. This is easy to open, and the company can write any one. 30% of the house price is enough. If you don't understand, ask the sales office. Very enthusiastic.