1. Have permanent residence or valid residence status in China.

2. 18-60 years old, with full capacity for civil conduct.

3. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan.

4, has signed a contract or agreement for the purchase of commercial housing.

5. Pay a down payment of not less than 50% of the total price of the purchased commercial house.

6. Provide effective guarantee recognized by Guangzhou Bank.

7. The original and photocopy of the property ownership certificate of the newly purchased house belonging to the second-hand house (if the house belongs to * * *, the original and photocopy of the property ownership certificate of * * shall be provided at the same time), and the legal and valid identification materials of the seller shall be provided.

8. Other documents or materials required by Guangzhou Bank.