Facade houses, that is, shops, are commercial housing loans for business purposes. Naturally, you can't apply for provident fund loans, but you can apply for commercial loans from banks. As for the down payment of the loan facade, you only need to know the bank's commercial housing loan standard. Well, let's have a look.
1. How much is the down payment for the loan facade?
The loan for facade houses is generally implemented according to the standard of the second suite, that is, the minimum down payment is 50%, the loan interest rate rises by 10% on the basis of the benchmark interest rate, and the longest loan period does not exceed 10 years.
For example, if the price of the facade house is 6.5438+0 million, then the minimum down payment is 500,000, and then the loan is 500,000.
Note that if the loan facade house is a new store, the down payment is 50% of the contract price; If the facade is second-hand, the down payment is 50% of the evaluation price, which refers to the evaluation value of the facade by the loan bank, not necessarily the actual transaction price.
Second, how much is the down payment for the commercial and residential facade?
Generally, the loan for facade houses will be implemented according to the down payment standard for commercial houses, but some banks will make a slight difference between commercial and residential houses, such as China Industrial and Commercial Bank, where the maximum loan for commercial and residential houses can reach 55% of the value of the houses purchased, that is, the down payment is 45%.
3. Other expenses of the loan facade.
1, deed tax: generally 3% of the transaction price;
2. Stamp duty: generally paid according to the transaction price;
3. Handling fee: Generally, the transaction price is above the relevant content of "how much is the down payment for the loan facade house". Compared with the loan house, the down payment threshold of the loan facade house is still much higher. Plus other expenses, it is suggested that the fund preparation can be sufficient.
How much is the down payment for the mortgage loan of the shop?
Bank of China has personal commercial housing loans (including shops, businesses, etc. ). Personal commercial housing loans must pay a down payment of not less than 50% of the total price of the purchased commodity housing (the down payment ratio of commercial and residential dual-use housing shall not be less than 45%), and a settlement account shall be opened in China Bank. Where the relevant laws, regulations, regulatory provisions or national policies change the down payment ratio of individual commercial housing, such provisions shall prevail. Bank of China has many kinds of loans. If there is loan demand, it is recommended to contact local outlets for detailed consultation.
The above contents are for your reference. Please refer to the actual business regulations.
1 10,000 yuan, what is the general down payment?
Store down payment 50%. The term of mortgage loan for individual shops provided by banks shall not exceed 10 years at the longest. But some commercial project developers can help you pay a part, such as 30% down payment, and then another 20% developers can help you pay first, as long as you pay back the money within the specified time.
If you buy a first-hand shop, you can borrow up to 50% of the contract price; If it is a second-hand shop, you can borrow up to 50% of the evaluation price. This evaluation price is not necessarily the amount of your actual transaction, but the amount of the loan you need and your ability to bear the relevant taxes and fees.
Extended data
Matters needing attention
1, store security
Whether the store has a lease and the expiration date of the lease. For example, shops with leases must make it clear that the original lessee gives up the preemptive right, and shops on allocated land must pay a premium after purchase.
2. Rent amplitude modulation
Take the five-year lease as an example, the rent does not increase in the first two to three years, but gradually increases from the fourth year. There are generally two ways to increase rent: cumulative rent increase, that is, the annual rent increases in an increasing proportion, but the increasing base is based on the rent price of the previous year; The chain ratio is increasing, that is, the rent is increased every once in a while (usually about 3 years).
3. Rent price
The rent of shops should not only meet their own affordability, but also be compared with surrounding shops and similar products.
How much is the down payment for the store loan?
Most people know that saving money is becoming more and more uneconomical, so many people like to invest their money in shops. At this time, it is necessary to know in advance how much the down payment of its shop loan is. The following small series will introduce you to the down payment of the store loan.
How much is the down payment for the store loan?
1. Generally speaking, the down payment for buying a store is 50%. As for the term of personal store mortgage loan provided by banks, it shall not exceed 10 year.
2. For example, if you buy a first-hand shop, then most of the loanable contract prices are 50%; If it is a second-hand shop, you can borrow more than 50% of the evaluation price. You know, the evaluation price generally does not depend on your actual sales. Generally speaking, it is also determined by the loan amount and the affordability of related taxes and fees.
3. If you are still a student, you can apply for a "start-up loan" on the basis of normal loans, which can be interest-free for one year, and you may apply for more loans.
4. If it is handled according to the commercial loan interest rate, the personal housing loan interest rate will be relatively higher. Need to pay: buyer's deed tax = 3% of the sales price; In addition, the handling fee = 0.5% of the sales price; Stamp duty = 0.05% of the sales price.
Can I buy a shop by mortgage?
1 first of all, it should be clear that it belongs to the category of commercial real estate loans, such as shop loans, so it is not a personal housing loan, so you can't use provident fund loans when handling it. You can apply for a commercial loan if you buy a shop. You can get a loan from a loan company. If you feel that your conditions are good and you are not in a hurry, you can apply for a bank loan to buy a shop.
2. When you apply for a bank loan from the store, you should prepare the materials. First of all, you should prepare the borrower's identity certificate, income certificate, store purchase certificate, mortgage certificate and other materials. Only after these materials are complete can you apply to the bank. You should know that the borrower also needs to provide a down payment certificate of more than 50% of the house price of the purchased store.
As long as you can repay the loan and your credit is good, generally speaking, the bank will submit an application to the bank to handle your loan process.
Summary: That's all for the down payment of store loans. There are several types of down payment for shop loans, which must be clearly understood before handling. I hope the above introduction will be helpful to everyone.