Of course. Shops can apply for mortgage loans, and they need to apply for loans through real estate mortgage or business license. Shops mortgage loan refers to the short-term loan business provided by the bank to meet the borrower's production, operation, investment or consumption needs, with its own or third-party legally owned commercial premises as mortgage guarantee. 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 leased store, it can also apply for mortgage loan in the bank.
Legal basis: Interim Measures for Personal Loans
Article 11
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(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.
2. Can Shanghai shops mortgage loans?
Yes, it's equivalent to real estate mortgage loan, but shops generally need to pay 50% down payment, and the remaining 50%, like this 10 year shop bank, will only give you a loan for 5 years; This procedure can be handled by the real estate agent. Very simple, the evaluation also needs to find a professional company, you can find an intermediary to handle it.
3. Can a store mortgage a loan?
1. If you can pay annually, you don't need interest. With the store in hand, you can do a lot of things with it in ten years, and your income can also change. If the boss wants to charge you interest in installments, then it is recommended to compare the bank interest. The mortgage loan period of shops is almost ten years, and the annual repayment amount is almost the same, focusing on the interest issue.
2. If the taxes and fees are borne by you, the land value-added tax will be sold less at the original price, but you have already invested more 1 1 ten thousand; If you raise the price to sell, not to mention whether the boss agrees to buy back. Even if you buy back, you have to pay taxes. No matter how you sell it, you lose money. Therefore, it is not recommended that you sell the store. It is suggested that the store should be self-sustaining or leased, and the value of the store should be used first. Please refer to the first answer for the payment method.
The third question does not exist. You have your own ability, so there is no so-called unequal contract. Try to solve it. I don't know the location of your store, the flow of people, and the future development plan. But as long as the position is not particularly bad, it is recommended to hold it for a long time. The longer the store, the more valuable it is.
4. Which bank can mortgage the Shanghai facade real estate license?
The bank is not important, what matters is the purpose of your loan. If it is used for commercial loans and can provide business recognized by banks, etc. ), and can provide proof that the enterprise under your name is operating well, the bank will make operating loans. At present, consumer loans in the traditional sense are not provided, starting from 2009. As for what house can be mortgaged? Any house with commodity real estate license that can be listed and traded can be mortgaged, provided that the age of the house does not exceed 20 years (under normal circumstances).