Many people have set their eyes on the facade room, and it is still possible to use it for their own business. However, the price of buying shops is also very high, and many people can't afford it, so everyone began to consider whether the facade room can be bought by loan. So, can I get a mortgage for buying a facade? What is the loan interest rate for the facade house? Let's take a look with Bian Xiao.
1. What is the loan interest rate for the facade house?
1. The loan interest rate for facade houses is 6% for one year, 6. 14% for five years and 6.55% for ten years. The loan amount is about 60% to 70% of the total house price.
2. Before mortgage loan, you need to know whether the house loan is paid off, whether there is mortgage, and whether the real estate license and land certificate are complete. I need to take my spouse's ID card, household registration book, marriage certificate and income certificate to the bank for housing mortgage loan.
Second, can I mortgage the facade?
1. The facade loan is a commercial mortgage, not a personal housing loan, and it is impossible to use the provident fund loan. But commercial loans can be used to buy a facade. As long as you have good conditions and can stand the long waiting time, you can consider going to the bank for a loan to buy a facade.
2. When applying for a facade loan, the borrower needs to provide a series of materials such as identity certificate, income certificate and mortgage. And submit the application materials correctly, and then provide proof that the down payment of the purchased facade is more than 50%.
3. The borrower must have full capacity for civil conduct, provide valid identity documents and have the ability to repay the principal and interest. Personal credit information is good, with a certain proportion of down payment and other requirements of the bank.
Editor's summary: What is the loan interest rate of the facade house? And buying a facade can be mortgaged? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.
Can I get a loan for the facade room?
Shop loans are commercial real estate loans, not personal housing loans, so provident fund loans cannot be used.
The purchase of shops can be commercial loans, that is, loans can be made to loan companies. If they have good conditions and can stand the long waiting time, it is recommended to go to the bank for a loan to buy a facade.
How much is the down payment for buying a facade house?
1, if you buy a first-hand shop, you can borrow 50% of the contract price; If it is a second-hand shop, you can borrow more than 50% of the appraised price. This evaluation price is not necessarily the amount of your actual transaction, but also depends on the amount of the loan you need and your ability to bear the relevant taxes.
Of course, if you are a college student, you can apply for a "start-up loan" locally on the basis of normal loans, so that you can apply for more loans without interest for one year, so college students still have a certain amount.
3. The facade is generally calculated according to the interest rate of the second suite. The down payment is 50%, the interest rate rises by 10% on the basis of the benchmark interest rate, and the loan period does not exceed 10 years.
According to the current commercial loan interest rate, it is a little more profitable than personal housing loan. Need to pay the buyer's deed tax = 3% of the transaction price; There is also transaction fee = 0.5% of the transaction price; Stamp duty = 0.05% of the transaction price.