If it is a commercial house, the land certificate should have a large land certificate, but the developer has not yet divided the household. You need to know whether the land certificate belongs to transfer or transfer. If the land transfer fee may be paid in the future, there will be no problem in the transfer.
As long as it is a developer's commercial housing, there is generally no problem with land certificates, but land certificates are generally delayed.
Borrow 260 thousand from the bank. It's up to you. You can buy it if you like. The key is to repay the loan in advance. This question needs to be negotiated with the landlord to see whether he repays the loan by himself or finds a guarantee company to pay in advance, and then you can apply for your second-hand housing mortgage loan. Of course, it would be better if no loan was needed. It's just a procedural matter. If you are required to provide funds to repay the loan, you must first go to the notary office to notarize the house for you, and then you can help him repay the loan. The safest thing is to find a middleman or company.