Commercial loans, also known as individual housing loans, allow urban residents to apply for commercial loans from banks when buying a house.

The application conditions for commercial loans mainly include:

1. The applicant should be between 18 and 65 years old.

2. The object of commercial loans is urban residents, so the applicant must have a permanent residence in the town or a valid residence status.

3. The applicant must have a legal and stable job and income, and can provide proof of work and income to prove that he has the ability to repay the loan principal and interest on schedule.

4. Need to provide a house purchase contract, agreement or letter of intent.

5. Need to provide proof that the down payment accounts for at least 30% of the house price. But different banks may have different requirements for down payment.

6. The applicant must have assets recognized by the lender as collateral or pledge, or have a guarantee recognized by the lender.

7. Personal credit should be good, and bad credit records are not allowed on personal credit records.

8. In addition to the above conditions, the lending bank may stipulate other conditions, depending on the bank you are lending.

Do you need any conditions for commercial loans?

Commercial loan terms: 1. Beijing urban residents with full capacity for civil conduct, nonlocal residents with the right of abode in Beijing, overseas and foreign citizens must meet the following conditions when applying for loans: 2. Have legal residence status; 3. Have a stable occupation and income; 4. Have the ability to repay the loan principal and interest on schedule; 5. There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions for their guarantee; 6. There is a contract or agreement for the purchase of housing; 7. When applying for a loan, there is a deposit of not less than 30% of the funds required for house purchase in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required; 8. Other conditions stipulated by the lending bank. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same. Materials required for loan:

My household registration book, ID card or other valid proof of residence;

Proof of occupation and income;

House purchase contract or letter of intent and other relevant certification materials.

Proof of down payment accounting for 30% of the house price;

Other materials required by the agency of China Construction Bank.

Loan procedures: 1. The handling agency of CCB or the law firm (or notary office) entrusted by CCB will investigate the information provided by the borrower. 2. The CCB agency examines and approves the borrower's application. 3. The borrower opens an account, obtains a savings card and signs a loan contract. 4. Handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. 5. The loan contract takes effect and the funds are transferred to the developer's account.

What are the commercial loan terms? Divided into basic conditions and other conditions.

There are many types of commercial loans, such as unsecured and unsecured pure credit consumer loans, personal housing loans, commercial loans and so on. Different loan types will have different loan conditions. So, what are the commercial loan terms? We can't generalize, but we can talk about it in general and look down together.

What are the commercial loan terms?

First, the basic conditions of commercial loans

1, age 18, with full capacity for civil conduct;

2. Personal credit is good, and there is no major bad record in credit investigation;

3. Have legal and valid identity documents and household registration certificates;

4. Have a good willingness to repay, a stable source of income, and the ability to repay the loan principal and interest on time.

Two. Other conditions for commercial loans.

1, provide a marriage certificate, provide a marriage certificate for married people, and indicate that unmarried people are single;

2. Provide materials required for mortgage application, such as purchase contract, down payment certificate, bank card flow, etc.

3. Operating loans need to have industrial and commercial business licenses, fixed business premises, normal current operations and other related conditions;

4. Mortgage guarantee needs to provide collateral, such as real estate and vehicles;

5. Provide pledges for financing needs, such as time deposit certificates, financing, insurance policies, funds, bonds and other financing projects.

6. Other conditions stipulated by commercial banks.

The maximum amount of general credit consumption loans is several hundred thousand, which is lower than mortgage loans. Depending on the value of collateral, mortgage loans can be millions or even tens of millions, and the loan period is longer. For example, mortgage loans can be borrowed for up to 30 years.

The above is about "what are the commercial loan conditions?" I hope I can help you.

What are the conditions for commercial loans?

Commercial loan terms: 1. Beijing urban residents with full capacity for civil conduct, nonlocal residents with the right of abode in Beijing, overseas and foreign citizens must meet the following conditions when applying for loans: 2. Have legal residence status; 3. Have a stable occupation and income; 4. Have the ability to repay the loan principal and interest on schedule; 5. There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions for their guarantee; 6. There is a contract or agreement for the purchase of housing; 7. When applying for a loan, there is a deposit of not less than 30% of the funds required for house purchase in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required; 8. Other conditions stipulated by the lending bank. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same. Materials required for loan:

My household registration book, ID card or other valid proof of residence;

Proof of occupation and income;

House purchase contract or letter of intent and other relevant certification materials.

Proof of down payment accounting for 30% of the house price;

Other materials required by the agency of China Construction Bank.

Loan procedures: 1. The handling agency of CCB or the law firm (or notary office) entrusted by CCB will investigate the information provided by the borrower. 2. The CCB agency examines and approves the borrower's application. 3. The borrower opens an account, obtains a savings card and signs a loan contract. 4. Handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. 5. The loan contract takes effect and the funds are transferred to the developer's account.