I have been engaged in Hefei real estate for many years, and I know that buying a house with a commercial loan needs to meet the following conditions:

1. I must be over 18 years old; Men can repay up to 7 years old, and some banks can lend up to 75 years old; The maximum repayment age of a woman is 65 years old;

2. It is necessary to meet the minimum down payment requirements for bank loans, with a minimum of 3% for the first suite and 4%-5% for the second suite; If it is a second suite, the loan amount in Hefei is relatively tight recently, and the minimum down payment for the first suite needs 4%;

3. There is an income certificate issued by a regular unit, and it is best for the unit to open a blank and stamped income certificate;

4. Have a working experience in the last six months, preferably a bank card, and there is a balance in the bank card to settle interest. If you do business yourself, there is no bank card flow, and the flow of Alipay and WeChat payment can also be printed.

5. There is no serious expected record of credit investigation, that is, there are no overdue records of credit investigation for three consecutive times and a total of more than six times in the last five years.

6. There are no large debts, no business loans, consumer loans or mortgage loans that have not been paid off.

7. house purchase contract. Loans can be pre-approved in advance, but the final appropriation requires a formal contract that has been filed by the Housing Authority.