The down payment of office loans is different from that of residential loans. The interest rate will be lowered by 30% for the down payment of the first suite 15%, and raised by 60% for the down payment of the second suite 10%. The interest rate of 50% down payment for office buildings is also floating. 10% is fixed, and the provident fund cannot be used. The loan term is 10 year.

Office building belongs to commercial real estate, and its loan process is the same as residential building. The difference between the two is mainly reflected in the down payment, interest rate and loan life. The down payment for office buildings is at least 50%, and the interest rate rises by about 15%. Commercial loans are easier than residential loans, because there is no quota limit for office buildings except foreign investors and foreigners.

Generally speaking, whether a house is commercial or residential is stated in the house book. The business requires a down payment of 50%, and the loan period is 10 year. The same is true for pure office buildings. Residential, 30% down payment, the longest loan period is 30 years.