借款人申请个人商用房贷款，须具备的基本条件包括（ ）。

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SQL Error: select id,body,options from ***_enewstiku where sourceid='26777' and id < 2227770 and id<>'2227770' order by id desc limit 5 SQL Error: select id,body,options from ***_enewstiku where sourceid='26777' and id > 2227770 and id<>'2227770' order by id asc limit 5