There is no upper limit on the amount of commercial loans, as long as you have enough repayment ability, but the first suite cannot exceed 70% of the total house price. The maximum amount of commercial loans for individual housing is 70% of the low value between the total purchase price and the housing appraisal price, and the loan amount fluctuates according to different banks' different sets, which is subject to the requirements of the lending bank. The longest loan period is 30 years, and the borrower is no more than 65 years old for men and 60 years old for women. The loan interest rate shall be subject to the provisions of the People's Bank of China on the loan interest rate. Article 11 of the Interim Measures for Personal Loans The application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.