Agricultural Bank of China personal first-hand commercial housing loan application conditions 1. Have full civil capacity and legal and valid identity documents; 2. Have the ability to repay the principal and interest of the loan; 3. Good credit status; 4. A legally binding commercial housing sales contract or agreement printed by the real estate authority has been signed with the seller; 5. There is proof of a down payment that is not less than the minimum required ratio; 6. The person with the right to dispose of the property agrees to use the purchased house as a Loan mortgage collateral; 7. Other conditions stipulated by the Agricultural Bank of China.