Commercial housing can be loaned.

However, commercial housing must use commercial loans, and the down payment is not less than 50%. Commercial housing refers to self-operated commercial housing or office space, which is different from idle housing. Individuals who purchase commercial housing cannot apply for housing provident fund loans. Commercial housing is commercial in nature, and it is not allowed to enjoy provident fund loans and housing loans, but only for commercial consumption loans. The minimum loan interest rate is 1. 1 times the benchmark interest rate. From the legal point of view, commercial housing refers to all kinds of commercial housing that can be traded freely in the market according to laws, regulations and relevant regulations and are not restricted by government policies, including newly-built commercial housing and second-hand housing (stock housing). Commercial housing can be divided into export commercial housing and domestic commercial housing according to different sales targets.

There are two explanations for commercial housing: first, it can be a storefront or a residence (commercial and residential); Second, downstairs is the storefront, upstairs is the house, and the property right belongs to the same person. The term of land use right, for example, 40 years, is a commercial and residential building, and the down payment is 4.5% of the commercial housing loan interest rate (minimum floating10%); If it is 70 years, it is a house, and the down payment is 20% (the first set) according to the residential mortgage interest rate (the maximum down payment is 30%).

What are the advantages of commercial housing?

1. Unlimited purchase. The biggest advantage of commercial and residential dual-use houses is that they are not limited to purchase. Whether it is Beijing's purchase restriction or Tongzhou's most restrictive purchase order, there is no restriction that commercial and residential dual-use houses and commercial and residential dual-use houses are not the first suites.

Second, the area is small. Small apartments for commercial and residential use are generally relatively small, mostly around 40_~70_, which is very suitable for young people to live or invest.

Third, both commercial and residential, commercial and residential dual-use real estate can live or do business by doing its unique positioning and apartment type, and it is also very suitable for enterprises with low office costs.

Fourth, flexible. Because of the unique regional location, commercial and residential apartments are basically located in the financial city complex, plus small area and strong investment, which is very flexible for the owners and convenient for renting and selling. According to the property law, the house can be automatically renewed after 70 years; For commercial projects, the service life is generally 40 years. The provisions of the Property Law on the follow-up period of the expiration of such places are not clear. In other words, residential land can be automatically renewed after it expires, but commercial land cannot.

Can commercial housing be loaned?

Commercial housing can be loaned, which is suitable for the applicant's capital demand during the operation of commercial housing, but the purpose of the loan cannot violate the relevant provisions of the state. Loans with the operating income of commercial housing and other legitimate income of the borrower as the source of debt service.

1. The concept of commercial housing: commercial housing refers to all kinds of shops, retail stores, restaurants, grain and oil stores, food markets, barbershops, photo studios, bathrooms, hotels, guest houses and other houses used for business and services for residents' lives, as well as office buildings. ; Another explanation of commercial housing: commercial housing refers to the houses developed by real estate development companies for external operation by commercial, grain, supply and marketing, catering and other departments, such as shops, salesrooms, grain shops, bookstores, supply and marketing cooperatives, restaurants and so on. Generally refers to the house on the ground floor facing the street. The land use period of commercial buildings is 40 years; Personal commercial housing loans Personal commercial housing loans refer to commercial loans issued by lenders to borrowers with their own funds for the purchase of commercial housing (including shops and office buildings).

2. Commercial housing loan: Commercial housing loan is a housing loan product launched by China Construction Bank.

(1) Loan targets: China citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland;

(2) Loan amount: no more than 60% of the sales price or appraised value of the purchased commercial house (whichever is lower);

(3) Loan term: The longest loan term is 65,438+00 years, which shall not exceed the remaining service life of the purchased commercial house. The loan interest rate shall be subject to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and may be floating;

(4) Required information: copy of legal identity documents (resident identity card, household registration book, military officer's card, foreign natural person's passport with the right of abode in Chinese mainland, family visit card, home visit card and other residence documents or other identity documents);

Proof of the borrower's repayment ability recognized by the loan bank, such as income certificate and asset certificate; Legal and valid contracts and agreements for the purchase of commercial housing; Where mortgage or pledge is involved, the ownership certificate of mortgage or pledge right and the written certificate of consent to mortgage or pledge issued by the person who has the right to dispose of it shall be provided; Where the guarantee is involved, it is necessary to provide the written commitment of the guarantor to provide the guarantee and the credit certificate of the guarantor; Relevant certificates of the borrower's self-raised funds for purchasing commercial housing; Other documents and materials specified by the loan bank.

Introduction of loan methods and project conditions for commercial housing development?

Commercial housing development loan

First, the product concept

Commercial housing development loans refer to loans issued to borrowers for the construction of commercial projects such as hotels, office buildings, large shopping centers and their supporting facilities.

Non-residential investment accounts for more than 50% (inclusive) of the total investment of comprehensive real estate projects, and its loans are regarded as commercial housing development loans.

Second, the borrower's conditions

1. An enterprise legal person approved and registered by the administrative department for industry and commerce and qualified for real estate development and operation;

2. If the borrower is a comprehensive real estate development enterprise, its real estate development qualification shall be above Grade II (inclusive), and the paid-in capital shall be no less than 654.38+0 million yuan (inclusive) or the owner's equity shall be no less than 200 million yuan (inclusive);

3. If the borrower is a project company, its paid-in capital or owner's equity shall not be less than 50 million yuan (inclusive), and its holding company's paid-in capital or owner's equity shall comply with the provisions of paragraph 2 of this article, and it is agreed to provide guarantee for timely raising project construction funds when the project is completed on schedule and the project cost exceeds the budget.

Three. Project conditions

1. Suitable for commercial projects such as hotels, office buildings, large shopping centers and their supporting facilities;

2. Located in the bustling business district or central business district, with superior geographical location, convenient transportation, reasonable planning and design, and complete supporting facilities;

3. The project is legal, with state-owned land use certificate, construction land planning permit, construction project planning permit and construction project construction permit;

4. The borrower's own funds invested in the project shall not be less than 50% (inclusive) of the total investment of the project and shall be put in place before the loan funds are put in place;

5. The project is expected to have a good market prospect, and the hotel (hotel) project has been managed by a well-known brand hotel management company;

6. The expected net cash flow of the project is sufficient, and the source of loan repayment is stable and reliable.

Fourth, the loan method.

Loans should be secured. In principle, mortgage guarantee or pledge guarantee such as treasury bonds, certificates of deposit and covered letters of credit that the borrower has the right to dispose of shall be adopted. Where the guarantee ability is insufficient, the way of guarantee can be adopted.

1. In case of mortgage guarantee, the ratio of the loan amount to the actual cost or assessed value of the collateral (whichever is lower) shall not exceed 50% (including 50%);

2. Where bonds, certificates of deposit or covered letters of credit are used as collateral, the ratio of the loan amount to the face value of securities shall not exceed 90% (including 90%);

3. If the guarantee method is adopted, the credit rating of the guarantor in our bank should be above AA, and the enterprise has strong economic strength, sound financial status and sufficient guarantee ability.

V term and interest rate

The longest loan period for leasing and self-operated projects shall not exceed 15 (inclusive), and the longest loan period for selling and transferring projects shall not exceed 8 years (inclusive).

The loan interest rate shall be subject to the relevant provisions of the People's Bank of China and our Bank.

Other matters of intransitive verbs

The loan amount shall not exceed 50% (including 50%) of the total investment of the project.

For leased and self-operated projects, from the year of project completion, the loan will be repaid quarterly or semi-annually (or in an agreed proportion); When the project is sold or transferred, the loan will be repaid in installments according to the project sales progress, and all the loan principal and interest will be repaid when the project is sold at 60%.

What are the conditions for commercial housing loans?

Personal commercial housing loans refer to commercial loans issued by lenders to borrowers with their own funds for the purchase of commercial housing (including shops and office buildings). ). What are the conditions for commercial housing loans?

1, no bad credit record and behavior record. For example, some banks stipulate that the loan applicant has no overdue loan in the loan bank, no record of default in the basic database of personal credit information of China People's Bank, and no record of default for more than 30 days or more than 6 times (including 6 times).

2. Have a local permanent residence or valid residence status.

3 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.

4. Commercial houses that apply for loans to buy or lease are generally required to be located in the central area and sub-central area of large and medium-sized cities, which have excellent development prospects and belong to permanent buildings.

5. The purchased or rented commercial house must have complete procedures, the project is legal, and the developer shows the certificate.

6. Sign a contract or agreement with the developer to purchase or lease commercial housing.

7. A down payment of not less than 50% of the total price of the purchased or rented commercial house must be paid first.

8. Provide effective guarantee recognized by the lending bank.

9. At present, there is no adverse liability in relevant civil and criminal cases.

The above are the commercial housing loan conditions that I share with you. You can learn about it if you need it. I hope I can help you.

What is the loan period of commercial housing/housing mortgage?

The loan term of individual commercial housing shall meet the following conditions:

1. The longest term of personal commercial housing loan is 10 year. Where there are stricter provisions in relevant laws, regulations, regulatory provisions or national policies, those provisions shall prevail;

2 individual commercial housing loan period shall not exceed the remaining use period of construction land occupied by collateral;

3. Personal second-hand commercial housing, the sum of the loan period and the age of the house shall not exceed 30 years in principle (including office space not exceeding 20 years);

4. The sum of the loan term and the borrower's age shall not exceed 65 years old in principle, and the middle and high-end customers who meet the requirements of BOC may be extended to 70 years old. Due to differences in business in individual regions, please consult local outlets for details.

The above contents are for your reference. Please refer to the actual business regulations.