What is the loan policy for buying a parking space in Chongqing? Is it real estate?

ICBC, BOC, CCB and other banks. There is no standard answer to whether the parking space belongs to a house or a shop, and the treatment methods are inconsistent. Banks such as ICBC and GDB regard it as a commercial real estate, not a second home. However, the down payment must be 50%, the interest rate will rise 10%, and the mortgage can only be 10 years at most. Banks such as China Bank and China Construction Bank regard it as a residence. Although parking spaces are commercial, they belong to housing loans in terms of loan types. The Bank of China said that the down payment must be 50%, but the interest rate can go down 15%.

In the case that the second set of housing standards has not yet been issued, there is no unified standard for parking spaces to be residential or commercial properties, and the judgment standards of banks are different. Buyers had better consult the bank before buying.