The minimum down payment for commercial and residential building loans is 50%, which means 50% of the total house price needs to be paid. The property right of commercial and residential buildings is of a commercial nature. When buying a house with a loan, you can only apply for a commercial loan. The minimum down payment is 50%, the longest loan period is 10 year, and the interest rate is generally about 10% higher than that of ordinary loans.

The difference between commercial buildings and residential buildings

1, with different living expenses, it is uncertain whether the water and electricity charges are charged according to the civil water and electricity standards.

2, the cost of buying a house is different, the deed tax of the house is 65438+ 0.5% of the total house price, while that of the commercial house is 3%. Also, if it is a mortgage loan, the interest will be different. The interest on commercial and residential buildings is about 1%, and you have to pay more interest fees every month.

3. The transaction costs are different. If you have lived for five years, the conditions are good, and you want to sell a bigger one, the commercial land (commercial and residential building) is taxed in full according to the highest standard, and the house has many tax benefits, and the maximum price difference is 5.6% business tax+1.5 deed tax =7. 1% tax, and the price difference of 500,000 houses is 38,000.

4. Different property rights, 50 years for commercial buildings (commercial land) and 70 years for residential buildings.

Conditions for handling commercial loans

1,/kloc-a natural person with full civil capacity between 0/8 and 65 years old;

2. Have a valid ID card, household registration book and proof of marital status;

3. Good credit record and willingness to repay;

4. Have the economic ability to pay the down payment of the purchased house;

5, a stable source of income and the ability to repay the loan principal and interest in full and on time;

6. There is an effective guarantee recognized by the lender;

7. Have a house sales contract;

8. The seller has the right to dispose of the purchased house according to law, and the purchased house has obtained the ownership certificate;

9. If the property right of the house * * * exists, there must be a certificate of consent to transfer issued by the property owner * * *;

10, other conditions stipulated by the bank.