Why do you say that you should try not to use commercial loans when buying a house? Many people apply for commercial housing loans because the amount is high, and the housing area can be relatively larger, but the interest rate of commercial loans is also relatively high, and the service life of commercial loans is shorter. Compared with provident fund loans to buy a house, the monthly loan payment will be very high, and the economic pressure of the repayers will increase a lot.

There have been many people who have been cornered by mortgage before, because it is really a long process to repay the mortgage, and I don't know what will happen in the process.

Conditions for buying a house with a commercial loan:

1. Applicants must be over 18 years old and a natural person with full capacity for civil conduct, before China citizens can apply.

2. The applicant must have a local household registration at the loan bank, or have a long-term residence certificate recognized by the local authorities and have a fixed residence.

3. The applicant's personal credit information is kept good, because the amount involved in bank lending is relatively large, so if there is something wrong with personal credit information, the bank will definitely refuse the user's loan application.

4. The applicant must have a stable job and a good source of income, and be able to provide some proof of assets to make the bank feel that the user has the ability and willingness to repay the loan.

that's all about buying a house with a commercial loan. I hope it will help you!