1, the first suite, the purchased house area is less than 144 square meters, and the down payment ratio is not less than 30%, so your down payment of 200,000 yuan meets the requirements. (If the down payment is 40%, your down payment should be at least 63× 40% = 252,000).

2. According to the down payment of 200,000 yuan, the total loan is 430,000 yuan, including 300,000 yuan for provident fund loans and 6,543,800 yuan+3,000 yuan for commercial loans, which are called portfolio loans in the industry.

3. Loan procedures: provident fund loans are handled by the provident fund management center, and commercial loans are handled by banks. Generally speaking, if you buy a first-hand commercial house, the housing developer will recommend a loan bank for you, and the bank will help you with a full set of loan procedures (including provident fund loan procedures). You only need to consult the bank for specific procedures. If you buy a second-hand house and go through the formalities of buying a house in an intermediary company, then the intermediary company will generally introduce you to the bank, help you with a full set of loan procedures (including provident fund procedures), and consult the intermediary company specifically.

4. Note: Before signing the house purchase contract, you must communicate with the bank (and the provident fund management center) and make sure that you can get a verbal reply from the loan before signing the house purchase contract and paying the down payment. (Because once you pay the down payment and sign a house purchase and delivery contract, the loan can't be approved, then you have no funds to pay the remaining house payment, which is a breach of contract, you can't get the house, and the down payment will not be refunded to you. Remember)