1. The borrower has full capacity for civil conduct and can provide valid identity documents;

2, only to meet the needs of its production, operation, investment or consumption;

3. Have the ability to repay the loan principal and interest;

4. The longest term of the store mortgage loan shall not exceed 10 year;

5. Personal credit record is good;

6. The loan amount is relatively high and does not exceed 50% of the appraised price of the collateral of the store (store);

7. There is a commercial housing sales contract or agreement;

8. Good personal credit, stable and reliable sources of income and repayment ability when due;

9. Have a certain percentage of down payment;

10, and there is a 50% floating space between the lower limit and the upper limit of the bank loan interest rate;

1 1. Other requirements of the bank.

At present, the mortgage loan for individual shops (shops) provided by commercial banks can reach up to 60%, and the loan period does not exceed 10 year. According to the current commercial loan interest rate, it is a little higher than the personal housing loan interest rate. In addition, because shops (stores) are investment properties, there is no distinction between the first suite and the second suite, which means that even if the shops (stores) you buy are the first suite under your name, they will be implemented according to this standard.