According to the regulations, the maximum housing loan can reach 80% for 30 years, and the maximum loan for shops can reach 50% for 10 year. All banks have relevant regulations, which are similar, depending on whether you buy a shop or a house. Besides, if you already have a housing loan, depending on your credit standing, your loan amount may be reduced. At the same time, if you own a second home or more, you will usually reduce the loan of 10% and increase the loan interest rate. If you have several suites at the same time, you are lending money.