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Personal commercial housing loans are loans granted by banks to natural persons for the purchase of various types of commercial housing (mainly for the purchase of shops, office buildings, commercial and residential dual-use housing). Commercial housing purchased by loans must conform to the local urban planning, the project is legal and compliant, and meet the local market demand. For details, please click View → [Commercial Housing Loan Website Link].

2. What are the conditions for store mortgage loan?

Applicant's conditions

(1) Having a legal and valid residence status;

(two) there is a contract or agreement for the purchase of shops;

(3) Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on schedule;

(4) There is a down payment of not less than 20% of the total price of the purchased store;

⑤ Agree to use the purchased shops as collateral or assets recognized by the loan bank as collateral or pledge, or units or individuals with guarantee qualifications and sufficient compensation capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities.

Processing flow:

(1) The lender brings all the application materials to the bank to apply for a store mortgage loan;

(2) The bank conducts loan investigation and approval;

(3) If the loan is approved, the bank shall go through the loan formalities according to the prescribed procedures after implementing the loan conditions;

(4) The Lender shall repay the loan principal and interest as agreed in this Contract;

(5) After the loan is settled, the mortgage registration department shall handle the mortgage registration and cancellation procedures in accordance with the provisions of the bank.

3. What are the conditions for buying a shop loan?

Loans granted by people to buy various commercial real estate (mainly for buying shops, office buildings and commercial and residential houses). Commercial housing purchased by loans must conform to local urban planning. For detailed information about the legality of the project, please click View → [Commercial Housing Loan Website Link].

Fourth, how to borrow money to buy a house? Is there a down payment rule?

Buyers can take out loans. Property buyers can borrow 10 years, because it is an investment property, so there is no difference between the first set and the second set.

Generally, the minimum down payment is 40-50%, and the maximum loan does not exceed 60% of the total price of the store.

Specific personal income and personal bank credit status, as well as local banking policies, fluctuate 10%-20%.

Commercial loan application conditions:

(1) has legal and valid residence status;

(2) A contract or agreement for the purchase of a store;

Have a stable occupation and income, good credit, and the ability to repay the principal and interest.

4, the purchase price is not less than 50%;

5. Agree to use the purchased store as collateral, or the assets recognized by the loan bank as collateral, and the mortgage or personal guarantee qualification and sufficient compensatory ability as the loan principal and interest and guarantor. Responsibility.

Application information:

(1) If the borrower's ID card (household registration book) or other valid proof of residence is valid, the married person shall also submit personal proof of marital status.

(2) The loan applicant fills in the Application Form for Commercial Housing Loan (for approval).

The first payment voucher;

(four) the contract or agreement for the acquisition of the store;

(5) Proof of the borrower's family property and income;

(6) the identity certificate of the borrower;

Other information required by the bank.

Store mortgage down payment must be higher than 50%, and the interest rate should not be lower than 10%. The so-called 50% is calculated according to the value of the store you want to buy.

Shops mortgage is different from ordinary housing mortgage (mortgage property, the loan amount is generally 65%-70% of the value of real estate assessment). The interest rate is as high as 15%-30%.

The longest store can borrow 10 years. Because it is an investment property, there is no difference between the first set and the second set.

The minimum down payment is 50%, the maximum loan is 50%, and the lowest interest rate is 10%, depending on personal work income and personal bank credit, as well as local bank policies, ranging from 10% to 20%.

In the case of floating 10%, the interest rate is 7755% (for example, the benchmark interest rate is 7,05), and the highest interest rate is 15%: the interest rate is 8 1075%, up by 20%: the interest rate is 8,46.

For example, with a loan of 500,000 yuan and a loan term of 10 year, the difference between the maximum monthly supply of the two is less than that of 200 yuan. The deed tax in most cities is 4% yuan and 40,000 yuan. Some cities charge 3% and need 30,000 yuan. The minimum charge standard of maintenance fund is 2% yuan, which needs 20,000 yuan. There is also a handling fee of 30 thousand yuan and 3% The charge in this respect is generally in 30 yuan -90 yuan/m2, which is generally different in different provinces and cities.