The application conditions for commercial loans are as follows:

1. The borrower can provide legal and valid identification;

2. The borrower can provide valid proof of residence;

3. The borrower has a stable occupation and income source;

4. Borrower 18 years old;

5. The borrower has the ability to repay the loan principal and interest;

6. The borrower implements the mortgage guarantee conditions;

7. The borrower has full capacity for civil conduct.

Extended data:

1. What is a commercial loan?

1. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

2. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

2. What are the procedures for transferring commercial loans to provident fund loans?

1. Submit information and apply. The provident fund management center shall confirm whether it has the conditions to transfer to provident fund loans;

2. The bank will review and wait for the notice. The commercial loan lender negotiates with the commercial loan bank and informs the bank that it intends to transfer to the provident fund loan, and the bank will review and confirm it. Fill in and submit relevant materials according to the requirements of commercial loan banks;

3. Credit investigation and loan repayment calculation;

4. Sign the contract. Sign provident fund loan contract, mortgage contract or guarantee contract and other related contracts;

5. Make up the difference;

6. issue loans;

7. Delivery and transfer of real estate.

Three, commercial loans to provident fund loans need to provide information

1. Original and photocopy of ID card, household registration book and marriage certificate of the lender and spouse.

2 original and photocopy of the house ownership certificate and state-owned land use certificate of the house purchased by the original commercial loan.

3. The original loan mortgage contract of the house purchased by the original commercial loan and a copy of the commodity (economic) house sales contract or the stock house sales contract;

4. The repayment record of the lender's original commercial loan issued by the original commercial loan bank and the proof of the balance and remaining term of the original commercial loan as of the date of applying for the transfer to the provident fund loan;

5. The housing appraisal report issued by the housing appraisal agency recognized by the management center on the transfer of second-hand housing business loans to provident fund loans;

6. A notarized statement of consent to mortgage issued by the owner of the house property;

7. A copy of the mortgage certificate of the house purchased by the original commercial loan provided by the original commercial loan bank (the mortgage certificate of the auction house or the house ownership certificate), and stamped with the official seal of the bank;

8. Other materials required by the management center or the entrusted bank.

What are the terms of a commercial loan?

Commercial loans, also known as individual housing loans, allow urban residents to apply for commercial loans from banks when buying a house.

The application conditions for commercial loans mainly include:

1. The applicant should be between 18 and 65 years old.

2. The object of commercial loans is urban residents, so the applicant must have a permanent residence in the town or a valid residence status.

3. The applicant must have a legal and stable job and income, and can provide proof of work and income to prove that he has the ability to repay the loan principal and interest on schedule.

4. Need to provide a house purchase contract, agreement or letter of intent.

5. Need to provide proof that the down payment accounts for at least 30% of the house price. But different banks may have different requirements for down payment.

6. The applicant must have assets recognized by the lender as collateral or pledge, or have a guarantee recognized by the lender.

7. Personal credit should be good, and bad credit records are not allowed on personal credit records.

8. In addition to the above conditions, the lending bank may stipulate other conditions, depending on the bank you are lending.

What are the terms of a commercial loan?

Commercial loan terms: 1. Beijing urban residents with full capacity for civil conduct, nonlocal residents with the right of abode in Beijing, overseas and foreign citizens must meet the following conditions when applying for loans: 2. Have legal residence status; 3. Have a stable occupation and income; 4. Have the ability to repay the loan principal and interest on schedule; 5. There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions for their guarantee; 6. There is a contract or agreement for the purchase of housing; 7. When applying for a loan, there is a deposit of not less than 30% of the funds required for house purchase in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required; 8. Other conditions stipulated by the lending bank. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same. Materials required for loan:

My household registration book, ID card or other valid proof of residence;

Proof of occupation and income;

House purchase contract or letter of intent and other relevant certification materials.

Proof of down payment accounting for 30% of the house price;

Other materials required by the agency of China Construction Bank.

Loan procedures: 1. The handling agency of CCB or the law firm (or notary office) entrusted by CCB will investigate the information provided by the borrower. 2. The CCB agency examines and approves the borrower's application. 3. The borrower opens an account, obtains a savings card and signs a loan contract. 4. Handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. 5. The loan contract takes effect and the funds are transferred to the developer's account.

What are the conditions for applying for a commercial loan?

Many people will choose commercial loans to buy a house, because there will be relatively few restrictions on commercial loans. But when you apply for commercial loans, you still need to meet some conditions stipulated by the bank. So what are the conditions for applying for a commercial loan? Next, Bian Xiao will briefly introduce it to you.

1. We need 18-65 years old to apply for a commercial loan from a bank; Is a natural person with full capacity for civil conduct; Have a legal and valid identity card. Under normal circumstances, the age of the borrower, plus the loan period we applied for, cannot exceed 70 years old, and different banks have different age requirements for applicants. However, it is usually difficult for people who apply for commercial loans to be young or old.

2. The applicant also needs to have a stable occupation and income, and be able to repay the principal and interest of the bank on time. Applicants are generally required to work in the unit for more than half a year; The monthly income is above 3,000 months; Cities such as Shanghai, Beijing and Guangzhou may be required to earn more than 5,000 yuan a month before tax, which is more than twice the monthly payment. Applicants also need to have enough funds to pay the down payment.

To apply for a commercial loan from a bank, the applicant also needs to have good credit. For example, there has never been three consecutive overdue or six repeated overdue. Different banks have different credit requirements, such as China Construction Bank, which requires the applicant's credit rating to be above BBB. When we apply for commercial loans from banks, we also need collateral recognized by banks, such as real estate. In addition, applying for commercial loans also needs to meet other conditions stipulated by the lending bank.

Bian Xiao concluded: What are the conditions for applying for commercial loans? Bian Xiao introduced it here. I hope that after reading this article, I can provide you with reference. Different banks have different requirements for commercial loans. If you need to apply for a commercial loan, you'd better consult the loan bank first about what conditions it needs to meet.