The basic conditions that a shop mortgage loan must meet: it must have the ownership of the shop. Shops cannot be rented, and the maximum loan amount generally does not exceed 50% of the assessed value. Banks will comprehensively determine the maximum loan amount according to factors such as the face value, market value and location of shops. The loan term and house age shall not exceed 30 years.

If it is confirmed that the mortgage can be made, the shop can be mortgaged according to the steps of finding a loan institution-submitting mortgage application materials-preliminary examination of the loan institution-evaluation-signing a contract.