The longest loan for commercial and residential buildings can be 65,438+00 years. Because commercial and residential buildings are commercial in nature, you can only apply for commercial loans when applying for loans. The property rights of commercial and residential dual-use houses are generally only forty or fifty years. According to the relevant regulations, the right to use residential construction land will be automatically renewed when it expires, while the right to use non-residential construction land cannot be automatically renewed, so the hidden cost is very high compared with ordinary residential commercial and residential dual-use houses.

What is the loan process for commercial and residential building transactions?

1. Determine the mortgage service company and loan scheme: Before handling the loan, the borrower needs to determine the mortgage service company with the intermediary, and ask the mortgage service company to conduct loan consultation to determine the loan scheme.

2. Inquiring about provident fund (if provident fund loans are needed): After the borrower and the seller confirm their intention to purchase a house, they will provide the account number of provident fund, and the mortgage service company will inquire about the provident fund to determine the loanable amount and loan term.

3. Signing a house sales contract: The borrower and the seller sign a house sales contract, and the transfer time and account transfer are agreed in the loan.

4. Prepare loan information and review loan eligibility: The mortgage service company assists the borrower to prepare loan information according to the requirements of the bank, and some houses need to be evaluated by a designated evaluation company; The mortgage service company will conduct a preliminary audit.

5. Signing loan agreement, notarization and insurance: The mortgage service company will submit the loan information after preliminary examination to the loan bank for review. After approval, the mortgage service company will arrange for the borrower to sign a loan agreement with the bank and notarize the agreement, and collect fees, including housing insurance.