What are the requirements for applying for a commercial loan to buy a house in Hefei?

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

1, the age needs to be above 18 years old; Men can repay to 70 years old, and some banks can lend to 75 years old; The highest repayment age for women is 65 years old;

2. Need to meet the minimum down payment requirements for bank loans, with a minimum of 30% for the first suite and 40%-50% 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 40%;

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 work experience in the last six months, preferably a bank card, and there is a balance in the bank card to settle the interest. If you do business by yourself, you can also print the flow of Alipay and WeChat payment without a bank card.

5. There is no serious expected record of credit reporting, that is, there are no overdue records of credit reporting for three consecutive times or six times in the past five years.

6. There are no large debts, outstanding commercial loans, consumer loans or mortgage loans.

7. Purchase contract. Loans can be pre-approved in advance, but the final appropriation requires a formal contract filed by the Housing Authority.