There is no doubt that you can apply for commercial loans for facade housing loans, but the restrictions in different regions are different. For example, if you don't have your own house or shop in a certain place, it is not a local hukou, so it is relatively difficult to get a loan.

1. You should prepare the husband and wife's ID card, household registration book, marriage certificate, permanent residence certificate issued by the neighborhood committee or administrative department, business license, rental contract, house purchase agreement, personal bank account, financial certificate, etc. And go to the local bank loan center for consultation. (For loans guaranteed by guarantee companies, the bank's approval is relatively loose, and the loan amount may be higher, but the guarantee fee needs to be paid more. )

2. Bank approval. The bank will check the authenticity of all documents provided by buyers and sellers. Some banks will also verify whether the bank flow provided by property buyers is true, and banks will control it according to their respective loan quotas. If the bank loan amount is small, approval is relatively difficult. Comparatively speaking, the loan granting speed in the first half of each year is faster than that in the second half.

3. If the loan is approved, the bank will give a notice after the loan is approved, and it can be processed within 2 working days.