Legal analysis
Personal business loans can be used to buy shops. Personal business loans are divided into personal business special loans and personal business working capital loans, among which personal business special loans are divided into personal commercial housing loans and personal business equipment loans. The loan funds of personal commercial housing loans can be used for directional purchase and lease of commercial houses or shops. Therefore, if the purchase of shops is to meet the needs of legitimate production and business activities, the loan funds can be used to purchase shops. In short, personal business loans can be used to buy shops, but the purpose of the loans should be agreed with the bank in advance. Personal business loan is a loan with the property of an enterprise legal person or shareholder as collateral, and the funds obtained are used for business operation. This kind of loan is similar to SME loan to some extent, and its business management is more complicated. Therefore, banks generally only choose the operating institutions of personal loans from branches with good economic environment, great market potential, high management level, good asset quality and low personal loan non-performing rate.
legal ground
People's Republic of China (PRC) Civil Code
Article 306 Where its share in the real estate or movable property owned by ×××× is transferred by shares, it shall promptly notify other owners of ××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××× Others shall exercise the preemptive right within a reasonable period of time. If two or more other persons claim to exercise the preemptive right, their respective purchase proportions shall be determined through consultation; If negotiation fails, the preemptive right shall be exercised according to the proportion of their respective shares at the time of transfer.
Article 310 Where two or more organizations or individuals jointly enjoy usufructuary right and security right, the relevant provisions of this Chapter shall apply mutatis mutandis.