Legal analysis: Commercial loan conditions: (1) If a resident family purchases the first home (that is, there is no home in this city under the name of the resident family and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 35%. (2) If there is 1 apartment in this city, but there is no room in this city but there is a record of commercial housing loan or provident fund housing loan, the down payment ratio of commercial loans shall not be less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio of commercial loans shall not be less than 70%.

Legal basis: Article 574 of the Civil Law of People's Republic of China (PRC) stipulates that if the loan term is less than one year, it shall be paid off when the loan is returned; If the loan term is more than one year, it shall be paid at the end of each year; If the remaining term is less than one year, it will be repaid together with the loan.