As long as you have been operating normally for 2 years and have a business license and relevant running water, you can use your commercial store as collateral. Up to 70% of the appraised value can be loaned.
I want to borrow 500,000 yuan from the bank. Under the current interest rate, which method can I choose to repay the least interest, that is, save the most money?
To save money, the first thing is to choose a bank. The interest rate floating standard of each bank is different, which is the most direct impact. The second is the repayment method, which generally pays interest on a monthly basis within one year and repays the principal at maturity. There are two kinds of ones with a term of more than one year: equal principal and interest and average capital. The average capital pays less interest, but the repayment pressure in the early stage is greater, that is, the monthly payment is more than the equal principal and interest.
3. Does the bank have 500,000 500,000 facade rooms?
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How much is the store worth with a loan of 45,000 yuan?
If you intend to apply for "personal loan" in our bank, if you use "commercial house" as collateral, the maximum loan/credit amount shall not exceed 60% of the net value of real estate appraisal or 50% of the present value of appraisal; The credit line of the loan shall not exceed 50% of the transaction price of the purchased commercial house or 55% of the transaction price of the purchased commercial and residential dual-use house.
Your specific loanable amount needs to be determined after comprehensive approval by outlets. Please contact the handling bank directly for confirmation.