Go through the legal procedures for the transfer of the real estate license, and the land use right of the facade house is 40 years. In the process of buying and selling second-hand houses, we should generally pay attention to the following steps:

First, look at the house, usually through a real estate agent to look at the house or see for yourself;

The second is to sign a deposit agreement and an intermediary agreement, and pay the deposit after signing the agreement;

The third is to sign a sales contract, that is, a real estate sales contract, and at the same time record the contract online;

The fourth is to handle the transfer transaction procedures. After the transfer formalities are completed, the trading center will issue a receipt;

Fifth, get the title certificate, and after 20 days of receipt, the next family can get the title certificate;

The sixth is to hand over the house and pay the final payment.

Different banks, different interest rates and different banking policies, I suggest you compare banks. If it can't repay the loan, the bank will withdraw the auction from the store. If there are other natural reasons, banks and insurance companies will depend on the situation.

2. What are the store loans?

One is the mortgage loan for pure shops and the other is the lease loan, which is used to mortgage the right to use shops and recover the principal and interest through lease.

3. Can I get a loan to buy a store?

Enter the area and get the decoration quotation for free. With the continuous development of the real estate market, more and more investors turn their attention to Mingguang's stores. Then the question is, can I borrow money to buy a storefront? What conditions and information do you need for a store loan? Let me give you a brief introduction. \ r \ Can I get a loan to buy a store? \ r \ You can get a loan to buy a store. But the store is commercial, and the current policy is that the maximum loan for commercial housing can only be 50%, that is, the down payment needs 50%. For example, if the store price is 6,543,800+0,000, then a down payment of 500,000 and a loan of 500,000 are required. \ r \ nThe applicant for the store housing loan requires: \r\n① a legal and valid residence status; \r\n② There is a contract or agreement for purchasing commercial premises; \r\n③ Having a stable occupation and income, good credit and the ability to repay the loan principal and interest on schedule; \r\n④ There is a down payment of not less than 50% of the total price of the purchased store; \r\n⑤ Agree to use the purchased shops as collateral or provide assets recognized by the loan bank as collateral or pledge, or have units or individuals with guarantee qualification and sufficient compensation capacity as witnesses to repay the principal and interest of the loan and bear joint and several liabilities. \ r \ nTerm of store loan: \ r \ nThe longest term of store mortgage loan is generally 10 year. \ r \ nStore loan application materials \r\n① The borrower's ID card (household registration book) or other valid residence documents, and the married person must also submit personal marital status certificate; \r\n② The loan applicant fills in the Commercial Housing Loan Application (Approval) Form; \r\n③ down payment voucher; \r\n④ The contract or agreement for purchasing the store; \r\n⑤ Proof of the borrower's family property and income; \r\n⑥ Identification certificate of the borrower; \r\n⑦ Other information required by the bank. \r\nWhat is the loan process of the store \r\n 1? Sign a sales contract with the landlord; \r\n2。 Find an evaluation company to evaluate the property; \r\n3. Go to the bank to make a down payment and apply for a loan; \r\n4。 The bank approves the loan; \r\n5。 After the approval, the buyer and the seller go to the exchange to handle the transfer of the real estate license; \r\n6。 The bank lends money to the seller. \ r \ Editor's summary: After reading the above introduction, I believe you have a deeper understanding of whether a store can get a loan. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later. Calculate how much it will cost to decorate your home.

4. How many years can the facade loan last?

The current policy of loan amount for facade loan is 1 to 10, the loan ratio for normal commercial land is 50%, and the loan amount for shops is 60%. There is no difference between the first suite and the second suite for commercial housing.

Terms of applying for a loan

The conditions for applying for a loan are:

1, with legal and valid residence status;

2. There is a contract or agreement to purchase the store;

3. Have a stable occupation and income, and have the ability to enjoy good credit interest;

4. There is a down payment of not less than 50% of the total price of the purchased store;

5. Agree to use the purchased shops as collateral or provide assets recognized by the loan bank as collateral or pledge, or units or individuals with guarantee qualification and sufficient compensation ability to repay the loan principal and interest and bear joint and several liabilities.

Legal basis: Article 30 of the Measures for the Administration of Urban Real Estate Mortgage

Within 30 days from the date of signing the real estate mortgage contract, the mortgage parties shall go through the registration formalities with the real estate management department where the real estate is located.

Article 34

If the real estate that has obtained the house ownership certificate according to law is mortgaged, the registration authority shall take possession of it by the mortgagor after recording the original income. And issue the house ownership certificate to the mortgagee.

If the pre-sale of commercial housing or the construction in progress is mortgaged, the registration authority shall record it in the mortgage contract. Mortgaged real estate shall be re-registered after the mortgagee obtains the certificate of real estate ownership.