Basically, agricultural banks, rural credit cooperatives, postal savings banks and local commercial banks can handle commercial loans.

Procedures to be prepared for handling commercial loans:

1. After signing the house sales contract, submit the complete materials approved by the bank to the bank to apply for a commercial loan.

2. Generally, banks will conduct audit investigation in about 15 working days, not exceeding 1 month.

3. The bank shall verify the housing situation and the qualification and credit status of the borrower.

4. After the loan is approved, the bank will inform the applicant to open an account in the bank, get a debit card and sign a loan contract.

After all the loan procedures are completed, the bank will transfer the loan funds into the developer's account.