You can get a loan when you buy a store, and you can use a mortgage.

Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets, and contract for purchasing commercial housing.

Housing mortgage bank loan procedures:

1. Need to open a current deposit account with a banking institution;

2. Please fill in the loan application form as required, and submit the application form and required materials according to the instructions of the bank;

3, by the banking agent or appointed lawyer to conduct home visits, investigate the authenticity, legality and integrity of the information provided;

4. After the approval of the bank, notify the approval result and sign the loan contract;

5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;

6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract;

7. Please repay the principal and interest according to the loan contract. Shops can borrow money, but they can only buy five floors, and they have to pay a down payment for five floors. However, it's not bad if you have the money to buy a shop that can buy five floors. In the real estate industry, there is a saying that one generation of shops is rich for three generations, which means that you can buy a shop yourself now, and then your grandson will become rich with this shop in the future. First of all, it should be noted that shop loans are a kind of commercial real estate loans, not personal housing loans, so provident fund loans cannot be used. Buying a shop can apply for a commercial loan or a loan from a loan company. If you have good conditions and can endure a long waiting time, it is recommended to buy a shop with a bank loan.

When applying for a loan from a store bank, you need the borrower's identity certificate, income certificate, store purchase certificate, mortgage certificate and other information as well as other conditions required by the bank. At the same time, after the borrower submits the application materials correctly, it is also required to provide a down payment certificate of more than 50% of the house price of the purchased shop. The longest loan for shops is 10 year.

As long as the loan can be repaid and the repayment ability is good, you can submit an application to the bank according to the normal loan process.

The above contents are for reference only, I hope I can help you. Thank you for your support to the business office. I wish you a happy shopping!

Can shops get loans?

For those who have some money at hand now, it is definitely not cost-effective to deposit it in the bank, and if it is used to invest in shops, it is not enough to pay in full. So, can buying a shop be mortgaged like buying a residential building? Please follow me to understand it.

1. When buying a store, you can use commercial loans, but you can't use provident fund loans.

2. Because shops do not belong to the category of personal housing loans, the housing provident fund management center will definitely not approve such businesses.

3. However, you can apply for a commercial loan in the bank, as long as you prepare personal identification, income certificate, store purchase contract or agreement and follow the requirements of bank staff.

The above is "Can the store borrow money?" The answer to this question hopes to bring some reference help to friends in need.

Can shops get loans?

Legal analysis: shops can borrow money. It should be noted that shop loans are a kind of commercial real estate loans, not personal housing loans, so provident fund loans cannot be used. If you can buy a store through a commercial loan, you can get a loan from a loan company. If you have good conditions and can endure a long wait, I suggest you buy a store with a bank loan. When applying for a loan from a store bank, you need the borrower's identity certificate, income certificate, store purchase certificate, mortgage certificate and other information as well as other conditions required by the bank.

Legal basis: Article 25 of the General Principles of Loans: If a borrower needs a loan, he shall directly apply to the agency of the host bank or other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; The second is the financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period before applying for a loan. The third is to correct the original unreasonable loans. The fourth is the list of collateral, the certificate that the obligee who has the right to dispose of collateral agrees to dispose of it, and the relevant documents that the guarantor intends to agree to guarantee; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender. It is recommended to borrow money from the bank to buy shops.

What are the conditions for foreigners to buy a house loan in Shanghai?

What are the conditions for foreigners to buy a house loan in Shanghai?

You can try to apply for a loan through China Merchants Bank. As the required conditions and application materials of each loan project are different, please dial 95555 at 8:30- 18:00 and select 3 people to enter the manual service to provide loans and learn more about the city.

Whether the loan application is approved shall be subject to the comprehensive audit results of the personal loan department of the handling bank.

What are the loan conditions for foreigners to buy a house in Shanghai

Application materials to be provided:

(1) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

(2) the guarantor's credit certification materials.

(3) Collateral appraisal report issued by the appraisal department recognized by the society.

(4) Other documents and materials required by CCB.

(5) Original and photocopy of the borrower's valid identity certificate.

(6) local permanent residence or valid residence identity certificate.

(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.

(8) The pledge rights required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and the ownership certificate, and the written documents of the owner and the property co-owner agreeing to pledge and mortgage.

(9) The borrower also needs to provide the hydropower property bill where the company is located and the hydropower property bill with personal address.

5. Loan term: The maximum validity period of the mortgage line is 5 years, the expiry date of the pledge line shall not exceed the expiry date of the pledge right, and the maximum validity period of the credit line and guarantee line shall not exceed 5 years. The validity period of the line shall be calculated from the effective date of the loan contract. If the borrower applies for two or more lines of pledge line, mortgage line, guarantee line or credit line at the same time, the Construction Bank will verify the validity period of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit.

6. Loan interest rate: The loan interest rate of China Construction Bank shall apply.

Can a foreigner buy a 3 million yuan shop in Shanghai with a down payment?

You can try to apply for a commercial housing loan through China Merchants Bank, and the purchased commercial housing needs mortgage. Please dial 95555 at 8:30- 18:00 and select "2 manual service-"1"personal banking business-"4 "personal loan business to enter the manual service to provide loan purposes and cities for details.

What are the requirements for foreigners to apply in Shanghai?

Generally speaking, if you intend to apply for an individual, you need to meet the following conditions.

1, provide personal identification;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income sources, etc.

What conditions and materials do foreigners need to borrow money to buy a house in Shanghai?

Loan conditions for foreigners to buy a house in Shanghai:

In Shanghai, you have a tax payment certificate of more than 1 year, or you have paid social security for more than 1 year, or the business license of an enterprise as a legal person has reached 1 year. Just meet one of the three conditions. If it involves provident fund loans, you must pay the provident fund in Shanghai for more than half a year.

Procedures for applying for mortgage loans:

1. Choose real estate

If buyers want to get mortgage services, they should pay attention to this aspect when choosing real estate. When buyers learn in advertisements or through the introduction of sales staff that some projects can apply for mortgage loans, they should further confirm that the real estate developed and built by developers has been supported by banks to ensure a smooth mortgage loan.

Step 2 apply for a mortgage loan

After confirming that the property you choose has bank mortgage support, buyers should know about the bank's regulations on mortgage loan support for buyers, prepare relevant legal documents and fill in the mortgage loan application form.

3. Sign a house purchase contract

After receiving the mortgage application and relevant legal documents submitted by the buyers, the bank will issue a loan consent notice or a mortgage commitment letter to the buyers after confirming that the buyers meet the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

4. Sign a loan contract

After signing the house purchase contract and obtaining the payment voucher, the buyer will sign the Building Mortgage Loan Contract with the developer and the bank with the relevant legal documents stipulated by the bank, specifying the rights and obligations such as the amount, term, interest rate and repayment method of the mortgage loan.

5. Apply for mortgage registration and insurance.

Property buyers, developers and banks hold building mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the auction house is delivered, the mortgage registration shall be changed after completion. Usually, due to the relatively long term of mortgage loans, banks require buyers to apply for life and property insurance to prevent loan risks. When purchasing insurance, buyers should designate the bank as the first beneficiary, and the insurance shall not be interrupted during the payment period, and the insurance amount shall not be less than the total value of the collateral. Before the loan principal and interest are paid off, the insurance policy is handed over to the bank.

6. Open a special repayment account

After signing the building mortgage loan contract, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from the account. After confirming that the buyers meet the mortgage loan conditions, fulfill the obligations stipulated in the Building Mortgage Loan Contract and go through the relevant formalities, the bank will transfer the loan to the bank supervision account opened by the developer at the bank as the purchase price of the buyers.

What do foreigners need to drive a taxi in Shanghai?

According to the relevant regulations of Shanghai, foreigners are not allowed to drive taxis in Shanghai, but some enterprises can help with various formalities, but at least they must know Shanghai dialect and be familiar with the traffic conditions in Shanghai. They must have an ID card, Shanghai real estate license (copy), driver's license, Shanghai people's guarantee and qualification certificate, and they must have more than three years' driving experience to drive a taxi in Shanghai. Taxis in Shanghai generally don't recruit foreigners, on the one hand, for the local people's employment crisis, on the other hand, because Shanghai locals are familiar with the terrain, and sometimes it is more convenient for customers in Shanghai to talk.

What conditions do foreigners need to buy a house in Shanghai?

1 married

2. There is no room in Shanghai.

3. Have paid taxes in Shanghai for 5 years.

What are the conditions for foreigners to borrow money to buy a house in Shanghai? Hope to get a detailed answer, thank you!

no problem

You need to provide your household registration certificate, marital status (marriage certificate or unmarried certificate), income certificate (the certificate issued by a foreign company may need to provide a tax bill, depending on the different requirements of the bank, and some do not need to provide a tax bill. If you are a civil servant, it will be easier and the bank will have a higher degree of trust in this information) and ID card.

The loan term is 30 years and the loan ratio is 70% of the house price.

Other procedures are the same as buying a house in Shanghai.

What are the conditions for foreigners to apply for loans when buying a house in Chifeng?

First, the basic conditions of commercial housing mortgage loans

1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

2. The purchased house is located in a town (including urban area, county town and big market town) and in principle is the borrower's current residence or place of work and business operation;

3. Has signed a commercial housing sales contract with the developer, and paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;

4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.

5. Agree to apply for mortgage registration of pre-purchased commercial housing first, and promise to use the purchased house as loan mortgage, and re-apply for mortgage registration after the purchased house is completed and the immovable property certificate is obtained;

Two, housing loans must provide information.

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse do not belong to the same household registration, a marriage certificate is required);

2. The commercial housing sales contract signed by the purchaser and the company;

3. The original and photocopy of the receipt for advance payment of 30% or more of the house price is 65,438+0;

4. Proof of income of the purchaser (provided by the bank and placed in the sales office);

5. If the borrower is a legal person, it shall carry a valid business license of enterprise legal person or business license of enterprise legal person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate that the board of directors agrees to mortgage;

6. The developer's collection account number is 1 copy.

Three. General provisions on housing loan business

1. Generally, the loan term is less than 30 years, and the maturity date of the loan cannot exceed the age of the borrower (male) 65 and (female) 55 in principle;

2. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year;

3. The main repayment methods of mortgage are divided into average capital and matching principal and interest, and buyers can choose freely. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest every month, and the monthly repayment amount remains unchanged (interest rate adjustment changes).

Fourth, the process of housing mortgage loan

1. The developer proposes the mortgage loan cooperation intention to the loan bank;

2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified developers;

3. The purchaser and the developer sign the Commodity House Sales Contract and pay the required down payment according to the contract requirements;

4. Within seven days from the date of voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the developer cooperative bank for mortgage loan. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank;

5. The loan bank investigates and reviews all aspects and procedures of the purchaser, and goes through preliminary procedures with the purchaser who meets the basic conditions (including the spouse of the purchaser), including loan application, joint repayment statement, commitment letter, conversation record, loan contract, IOU, etc. Then the buyer opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval;

6. The application approval period is generally within 7 days. For overdue loans, the marketing department will dock with the bank in time to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time;

Verb (abbreviation for verb) mortgage loan process

Consultation → Apply for a loan (house buyer) → Review (provide information) → Sign a loan contract and mortgage contract (bank) → Deal with contract notarization (notary office) → Deal with relevant insurance (insurance company) → Deal with mortgage registration of real estate (real estate registration office) → Issue a loan (obtain mortgage certificate) → Repayment by the borrower → Deal with cancellation registration of mortgaged real estate (all loans are paid off).

What are the requirements for foreign rural hukou to buy a house in Shanghai?

At present, foreign accounts in Shanghai need to provide social security certificates for more than one year. This has nothing to do with rural or urban hukou.

Can I get a loan to buy a shop?

"Yes" shops can borrow money, but it is different from housing loans and cannot use provident fund loans, just like buying apartment loans. And the interest rate of buying a shop loan is higher than that of an ordinary house. At the same time, lenders are also required to have good credit information, sufficient income capacity and various materials for handling loans.

1. A store is a real estate specially used for business activities, and it is a place where operators provide commodity transactions, services and experiences to consumers. Broadly speaking, the concept of store includes not only retail business, but also real estate for entertainment, catering and tourism, profitable exhibition halls, stadiums, bathrooms, and commercial business places with physical buildings such as banks and securities.

Second, as a trading place, stores are easy to understand, from department stores, supermarkets, specialty stores to automobile sales stores are trading places of different sizes. For most people, it is easy to understand this. As a place to provide services, shops are easy to understand with simple examples, such as catering facilities and beauty salons. In this kind of store, consumers can enjoy the quality of service by obtaining the services provided by the operators.

3. Shops are places to provide experiences, such as movie theaters, KTV discounts and fitness facilities. In such a store, consumers fully feel the special scenes, facilities and atmosphere created by the operators, and get beauty, entertainment and health from them, and the operators realize benefits in the process.

Fourth, the concept of shops We can find that shops have experienced great development, from the initial operation of commodities and commodities to the operation of service commodities and experience commodities. Obviously, the above forms of different commodities will directly affect the location, traffic conditions, positioning, size, space, structure, decoration methods, styles, commodity types and supporting conditions of the store.

Verb (abbreviation of verb) China's retail industry will gradually open to foreign investment within three years after its entry into WTO. During this period, the foreign retail industry will enter the China market on a large scale, and the domestic retail industry will also accelerate the pace of "enclosure". The form of franchising has greatly accelerated the expansion of the retail industry. According to the survey results of Zero Survey and Index Network 200 1+ 1, the most suitable industry for franchise chain operation is retail (43%), followed by service industry (23.9%) and fast food industry (22%). It is noteworthy that the rapid development of professional chain stores such as home appliances has attracted the attention of the industry. Therefore, the demand for shops will increase steadily in the future. Demand is mainly concentrated in convenience stores, large supermarkets and shops, chain restaurants, brand stores and so on.

Can shops handle mortgage loans?

Of course. Shops can apply for mortgage loans and need to apply for loans through real estate mortgage or business license. Shops mortgage loan refers to the short-term loan business provided by banks to borrowers to meet their production, operation, investment or consumption needs with commercial premises legally owned by borrowers or third parties as collateral. Therefore, as long as the store meets the conditions of mortgage loan and the documents are complete, the applicant also meets the conditions of applying for loan. If it is a shop for rent, you can also apply for a mortgage loan at the bank.

[Legal basis]

Interim measures for personal loans

Article 11 To apply for a personal loan, the following conditions shall be met:

(1) The borrower is a citizen of People's Republic of China (PRC) (China) who has full capacity for civil conduct or an overseas natural person who meets relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Can Shanghai shops get loans? Let's stop here.