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 banks to borrowers in order 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 for 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 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.

Can I use the storefront as a mortgage?

Of course. Shops can apply for mortgage loans, and they need to apply for loans through real estate mortgage or business license. 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, you can also apply for a mortgage loan at the bank.

Legal basis:

"Interim Measures for Personal Loans" Article 11 An application for personal loans 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.

Can shops be used for mortgage loans?

Shops can also be used for mortgage loans. As long as the legally acquired real estate can be used for mortgage, real estate is the most suitable collateral for banks. Generally speaking, it is necessary to evaluate the house before handling the mortgage. After the evaluation, only 70-80% of the evaluation price can be loaned, and the loan cannot be fully paid off.

1. Agreement of the store lease contract: In addition to the main body, the common clauses in the store lease contract mainly include: location, area, rent, rent increase ratio and time point, lease deposit or performance bond, liquidated damages, contract rescission right, liability for breach of contract, handling method, compensation, etc. Because there are many problems, only some of the above problems are analyzed. On the one hand, the agreement of the lease location involves the choice of the agreed jurisdiction, on the other hand, it also involves the design of the corresponding breach clause when the lessor changes the specific store in the investment promotion stage. On the issue of rent increase and time point, what needs to be paid attention to here is whether the increase base is monthly rent, quarterly rent or annual rent. Under the condition that the incremental ratio and time point are clearly agreed, the lessee can estimate the cost and income of the performance of the lease contract, so as to estimate whether the lease investment is feasible. As for the lease deposit or performance bond, it is generally a deposit to ensure the lessee to perform the contract according to the contract, aiming at the lessee's unilateral breach of contract or damage to the store or violation of property management regulations. This point should be elaborated in some cases, and the bottom clause should be well designed.

2. The materials needed to handle the mortgage loan of shops include: personal ID card and its photocopy, work certificate or business certificate, personal income certificate, business license of shops and its photocopy, personal credit report and other related materials. After the above materials are ready, you can fill in the application form and power of attorney at the bank. Shops' mortgage loans can be tens of percent: Shops' mortgage loans need to be divided according to the nature of borrowers, which can be divided into individual shops' mortgage loans and enterprise shops' mortgage loans. However, the mortgage approval of ordinary individual shops is not easy. If the borrower's qualifications and reputation are good, the evaluation price of the store will be higher. Generally, the loan will be 50% of the appraised price, but the height should not exceed 70%. This is because the percentage control of stores is very strict. The interest rate is the benchmark interest rate floating 10%. If the borrower's situation is not very good, the interest rate may increase. If it is the company's store mortgage, it will be relatively simple, and the mortgage will generally not exceed 60% of the assessed value.