Personal commercial housing loan is a credit service to provide individual customer the fund to purchase commercial housing (including shops, offices, business stands etc) for investment. The purchased housing has finished procedures of completion test (or possesses Housing Ownership Certificate) .The maximum loan amount is 50% of the house price, with a length of maturity of 10 years at most.

Target clients:
Any individual over 18 year-old with full capacity for civil conduct and sound credit record.

Product features:
1. Low charges: free of legal fees.
2. Flexible repayment method: multiple choices for repayment method and loan period; early repayment without penalty and no limit for number of times.
3. Wide coverage: the purchasing of shops, offices, business stands etc are all accepted.
4. Convenient services: can transfer fund of repayment through Self-Service Banking, Internet Banking, and the nearly 700 business outlets.