The conditions for commercial mortgage purchase are as follows: the borrower is a People's Republic of China (PRC) citizen with full civil capacity or an overseas natural person who meets the relevant provisions of the state; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay; The borrower's credit status is good and there is no significant bad credit record; Other conditions that meet the requirements of the lender.

Legal objectivity:

General principles of loans

Article 17

The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:

(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off;

If there is no repayment, a repayment plan approved by the lender has been made.

Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.

3. basic account or general deposit account has been opened.

Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets.

Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.

Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.