1. When applying for an individual first-hand commercial housing loan, the borrower shall submit a written application and provide the following information:

(1) loan application;

(2) Legal and valid identity documents (resident identity card, household registration book, military officer's card or other valid residence documents);

(3) Proof of economic income recognized by the lender (including the borrower's family income certificate, tax payment certificate, bank statement, bank savings passbook, etc.). );

(4) Proof that the down payment of the purchased commercial house has been paid;

(5) Relevant documents authorizing the lender to inquire about the personal credit information system of the People's Bank of China and record the inquiry results;

(6) A legal and effective procurement contract or agreement;

(7) List of mortgaged (pledged) goods, ownership certificate, consent certificate of the mortgagee (pledged) and collateral evaluation documents;

(8) Laws, regulations, regulatory provisions and other documents or materials required by the lender.

2. When applying for personal second-hand commercial housing loans, in addition to the information listed in the Application for Personal First-hand Commercial Housing Loans, the seller shall also provide the following information:

(1) Valid identification of the seller (including co-owner);

(2) The valid ownership certificate of the house to be sold;

(3) a written document signed by the co-owner of the house agreeing to sell the house;

(4) The leased house must provide a lease contract and a letter of commitment that the lessee waives the preemptive right;

(5) Other documents or materials required by the lender.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.