(1) You must have a permanent residence in the town or a valid residence certificate;

(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) There are legal and effective contracts and agreements for the purchase of commercial housing and other supporting documents required by the loan bank;

(4) Having self-raised funds not less than 40% of the appraised value of the purchased commercial house, and guaranteeing to pay the down payment of the purchased commercial house (the down payment shall be stipulated by the lending bank);

5] Can provide effective guarantee for loan approval;

(6) Other conditions stipulated by the loan company.