The conditions for commercial bank loans are:

① Must be a natural person with full capacity for civil conduct.

② Have a stable career and income.

③Have permanent urban residence or valid residence status.

④ Have good credit and the ability to repay the principal and interest of the loan.

⑤The bank will require the applicant to apply for a credit card from the bank.

⑥The bank also requires a work mortgage recognized by the bank, or a unit that meets the prescribed conditions and has the ability to compensate as a guarantor to repay the principal and interest of the loan and bear joint liability. Things to note when applying for a commercial loan:

① Good credit status: There is no doubt that poor credit status will affect the loan application. Generally, if there are three consecutive overdue records in the personal credit record and a total of six overdue records, the application will most likely be rejected. If there is an overdue record on a mortgage or car loan, it will be recorded in the personal credit report. You can log in to the People's Bank of China personal credit report for credit inquiry.

② Prepare materials in advance: Applying for a commercial loan requires a series of materials, mainly including: household registration booklet, income certificate, and statement of turnover in the past six months. It should be noted that proof of income is guaranteed to be greater than twice the monthly payment of the loan applied for.