Office buildings can be mortgaged.
Real estate mortgage loan refers to a loan made by the borrower using his own or third-party property (including houses, offices, shops, factories, etc.). ) as a mortgage for personal comprehensive consumption, it is repaid by mortgage.
Basic requirements for office mortgage loan:
1. The property used for mortgage and the lending institution must be located in the same city, and the mortgage loan for individual house purchase does not accept collateral from different places;
2. Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral;
3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no adverse circumstances such as property rights disputes;
4, with strong liquidity, the real estate structure is intact, water, electricity, environmental protection, transportation, urban construction, property management and other supporting facilities and services are complete, there are no problems and problems, which are not within the scope of government planning;
5. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the age of the loan/credit period is not more than 40 years in principle; If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the age of the loan/credit period is not more than 30 years in principle;
6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral.
The above six points are just some basic requirements. Whether the specific office building meets the conditions of bank mortgage loan needs to be confirmed with the handling bank when applying for a loan.
Office mortgage loan process:
1. The borrower opens a current deposit account in the bank;
2. Information required for preparing the loan;
3. Sign the bank face to face;
4. Bank filing and approval;
5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;
6. Go to the Construction Committee for mortgage registration;
7. The Project Construction Committee issues his right certificate;
8. Handle insurance, notarization and other procedures as appropriate;
9. The bank directly transfers the loan to the account agreed in the contract;
10. The borrower repays the loan principal and interest according to the loan contract.
1 1, through loans.
How much can I borrow to buy a house in Shanghai?
1. Houses with the same price will also have different loan quotas when handling mortgage loans, because the factors that determine the loan quotas are the houses and the lenders themselves. Under normal circumstances, the mortgage rate of commercial housing in Shanghai can reach 70%, the mortgage rate of shops and office buildings in Shanghai can reach 60%, and the mortgage rate of industrial plants can reach 50%. There are many factors that affect the amount of Shanghai real estate mortgage loan. The appraised value of real estate is the main reason that directly affects how much money can be borrowed from Shanghai housing mortgage loan. The appraisal value of real estate mainly includes the appraisal house type, house area, orientation, location, building years, floors, etc.
2. The amount of Shanghai housing mortgage loan is also directly related to the assets owned by the borrower. If there is only one property, most of it can only be loaned to half the value of real estate assessment; If you have multiple properties, you can borrow 70~80% of the value of real estate assessment. The amount of personal income will also be included in the scope of affecting the loan amount by banks. If the personal income is low, the bank will worry that the borrower's repayment ability is insufficient, and then reduce the loan amount.
1. Housing loan, also known as housing mortgage loan, means that the buyer fills in the Application Form for Housing Mortgage Loan to the loan bank and provides legal documents such as ID card, income certificate, housing sales contract and guarantee. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract signed between the bank and the buyer. The bank directly transfers the loan funds to the seller's bank account within the time limit stipulated in the contract.
2. Housing mortgage loan is a loan provided by the bank to the borrower through a certain contract in order to ensure the safety of the loan and obtain the lien and pledge of the borrower's property according to law. This kind of loan is actually a loan in which the debtor (mortgagor) transfers the property ownership to the creditor (mortgagor) according to law to obtain a loan. During this period, if the debtor fails to repay the principal and interest of the loan on time, the creditor has the right to dispose of the collateral and give priority to compensation. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank liquidity.
I would like to ask what is the mortgage interest rate for office buildings?
Mortgage interest rates, an office building, will float on the benchmark interest rate of central bank loans, generally by 10%. The benchmark loan interest rate is:
The loan interest rate within 1 and 1 year is 4.35%;
2. 1-5 years, the loan interest rate is 4.75%;
The interest rate for loans over 3.5 years is 4.90%.
Related instructions:
The basic information to be prepared for office loans is as follows:
1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card;
2. Annual reports for the last three years, financial statements for the last three months and company notes for the last six months;
3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months;
4, nearly six months of tax bills, signed the purchase and sale contract (if any);
5. Proof of assets under the name of the enterprise.
Personal data:
1, ID cards of the borrower and spouse;
2. Identity cards of property owners and spouses;
3. Household registration books of the borrower and the property owner;
4. Marriage certificate between the borrower and the property owner;
5, personal assets, such as real estate, cars, stocks, bonds, etc. ;
6. Personal bank flow in the past six months or a year.