Commercial houses and commercial houses with clear property rights and strong liquidity are needed as collateral. The following conditions must be met:

Handling in the same city: Mortgaged real estate and loan handling outlets must be in the same city, and remote mortgages are not accepted.

Do not accept the real estate with appraised present value ≤ 6,543,800+as collateral;

The title certificate with clear property rights can be listed and circulated, and mortgage registration can be handled, and there is no unfavorable liquidation situation such as property rights disputes;

Strong mobility: the building has a good structure, complete facilities and services such as water, electricity, transportation and property management, and there are no disputes and problems, which are not within the scope of demolition planned by the government;

The age of the mortgaged commercial house is ≤20 years, and the loan/credit period+age is ≤40 years; The age of the mortgaged commercial house is ≤20 years, and the loan/credit term+age is ≤30 years.

In principle, commercial housing that has been idle for more than 6 months is not accepted as collateral.

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Whether your property meets the requirements, please contact the personal loan department of local outlets for consultation and confirmation.