Shops have good geographical location, convenient transportation and fast income, so many people have been buying shops to invest. When people buy shops, they usually choose the way of loans, which can make their funds more flexible. So how long is the loan period of the shop? Let me introduce it to you.

How long is the loan period of the shop?

The loan period of a shop is usually five years, and the longest is 10 year, and the loan interest rate will rise by 10% according to the bank's benchmark interest rate. When applying for a shop loan, the lender needs to bring the identity certificate, income certificate, shop purchase certificate, mortgage certificate and other related materials to the bank for loan procedures. Store loans cannot use provident fund loans, and the minimum down payment ratio of store loans shall not be less than 50%.

What are the conditions for a shop loan?

1. The lender has full capacity for civil conduct and needs to provide valid ID cards, household registration books and other related materials.

2. The lender needs to have the ability to repay the principal and interest of the loan, and at the same time, it needs to provide proof of the borrower's income.

3. The lender has a good credit record and no bad record.

4. The lender shall provide the sales contract or agreement of the store.

5. The lender shall provide proof that the book is enough to pay the down payment of more than 50% of the house price of the store.

6. Other requirements of the lending bank.

What should I pay attention to when buying a shop?

1, see a lot

When we buy a shop, we need to see whether it belongs to the central business district or a community shop near the business district. We'd better choose those shops on the commercial street with better lots, because there is a large flow of people.

2. Look at the function of the store

At present, shops can be divided into residential shops, commercial shops and shopping malls. Usually, the rental return rate of commercial street shops is relatively high.

3. Look at the architectural form of the store.

When buying a shop, you need to look at the architectural form of the shop. It's best to choose a shop with a small depth and a large width, with a wide display area along the street and a double facade at the corner.

The above is an introduction about how long the loan period of shops is. I hope to provide some help when buying shops, so that everyone can buy shops smoothly.

Can Tangshan borrow money to buy commercial and residential buildings?

You can borrow money. Commercial and residential houses can also be loaned. Generally speaking, as long as you have a legal house, you can get a loan. Shop loans are commercial real estate loans, not personal housing loans, and provident fund loans cannot be used.

How to deal with the second mortgage of the house?

Some houses are being mortgaged, but due to lack of funds, they want to mortgage the mortgaged property again. This is called a second mortgage. So how should I borrow a house with two mortgages? What are the conditions for the second mortgage? 1. After the owner applies for the second mortgage, the bank will assign a special person to evaluate the value of the property, mainly to evaluate its appreciation potential, and then give reference value according to the evaluation results. 2. Owners need to issue personal identification certificate, property certificate, income certificate and other certification materials required by banks when handling the secondary mortgage of houses. 3. The lender needs to bring all the information to the bank for face-to-face signing, and sign the mortgage application form for the second house. 4. The bank will review the personal data of the property and the lender and calculate the loan amount at the same time. 5. After the approval, the lender needs to go to the bank to register the mortgage in person and wait for the loan. U = 4138492308,4241209713fm = 26gp = What are the requirements for a second mortgage of a house in 0.jpg? 1. Generally speaking, houses should have better room for maintaining and increasing value. 2. The house that can be mortgaged twice must be an existing house, not an auction house. 3. The borrower of the second loan should have good credit, and the existing mortgage loan has no serious overdue record. The borrower of the second loan must have a stable income. 5. Other conditions stipulated by the bank. Matters needing attention in secondary mortgage of house 1, loan amount. The loan amount of real estate in two mortgages is as follows: (1) loan amount = mortgage rate of house value-original loan principal balance; (2) Compared with the original purchase price of the house and the evaluation price at the time of secondary mortgage, the value of the house shall be the lower. The mortgage rate of secondary loans with housing mortgage shall not exceed 70%; The mortgage rate of secondary loans for commercial housing mortgage shall not exceed 50%. 2. The procedures and documents required for secondary mortgage and primary mortgage are basically the same. The legal effect after registration is different in the order of realizing mortgage. 3. Although the Measures for the Administration of Urban Real Estate Low Pressure stipulates that the second mortgage does not require the consent of the first mortgagee, it shall inform the second mortgagee. However, in the actual mortgage process, if the first mortgage contract requires the consent of the first mortgagee, it must be observed in accordance with the contract. At the same time, the second mortgagee must be informed of the mortgage loan, otherwise, the mortgagee has the right to request the mortgagor to stop its loan behavior according to the relevant regulations. 4. The right value of two mortgages shall not exceed the balance of the house value after the first mortgage guarantee. If the mortgagor can't pay off the debt, he will file an administrative lawsuit with the registration department.

Can shops make mortgage loans?

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 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 provident fund loans on the second floor of the underlying business?

1, you can use it, but you can't use the provident fund loan. You can directly withdraw the housing provident fund. 2. At present, there is no provident fund loan in different places in China. If you buy a house in a different place, you can't use provident fund loans, only commercial loans, but you can withdraw provident fund to repay the loan after buying a house in a different place.

Can Beijing borrow money to buy a bottom business?

Of course, the underlying business can borrow money, but the interest rate does not go down, and generally the down payment is at least 40%.

In addition, the bank has also limited the best loan amount, which generally does not exceed 2 million.