The upper limit of the loan ratio for commercial office buildings and houses is 50% of the total price and 80% of the total price. The loan interest rate rose by 65,438+00% according to the benchmark interest rate. The longest loan term is 65,438+00 years and the longest loan type is 30 years. You can only apply for commercial loans, and you can use provident fund loans. The second set of loans is not restricted by the second set of loan policies, and will rise at the benchmark interest rate of 10%. Note: Commercial and office housing loans are not affected by the second set of loan policies, so neither the original housing loan nor the individual housing loan applied for later will affect commercial and office housing loans; On the contrary, it will not lead to an increase in housing interest rates and a decline in maturity. Commercial housing loans need basically the same information as housing loans, but the requirements for "proof of assets" are very high. First, the total price of shops and office buildings is generally high, even if the loan is only 50%, it is also considerable; Second, because the longest loan period is only 10 year, and the monthly repayment amount is high, the requirements for the borrower's income and repayment ability are rising.

2. What does personal commercial housing loan mean?

3. What does personal commercial housing loan mean?

Is to lend you money to buy commercial housing, such as shops, office buildings and hotels. The proportion of applications for such loans is slightly lower than that for housing loans. Generally, the maximum loan is 50% of the house value, and the house can be loaned to 70%.

4. What does personal commercial housing loan mean?

Personal business premises

Personal commercial housing loans are commercial loans issued to borrowers for the purchase of commercial housing (including shops and office buildings).