Shops can get loans. According to the current national policy, if the house is used for commercial activities, then the maximum loan can only be 50%, so the length is 50% down payment, and the longest period is ten years. That is, the market price of the store is 6,543,800 yuan, so you can only borrow 500,000 yuan when you go to the bank, and you need a down payment of 500,000 yuan.

Conditions for handling commercial loans

1. To apply for a loan, I need to have good civil capacity and be able to provide valid identity documents.

2. The bank judges that the applicant has repayment ability by reviewing the applicant's information.

3. The applicant has no credit problems and has a good credit record.

4. Be able to submit the contract for purchasing the store, and the buyer on the contract belongs to the same person as the lender applying for the loan.

The person who applied for the loan has paid more than 50% down payment when buying the store.

6. If the bank meets other requirements of the applicant, the applicant can apply for a shop loan.

How to get a loan when buying a shop?

1, you can get a loan for buying a shop, and you can get a loan for buying a shop 10 years. Because it is sexual, there is no difference between the first set and the second set.

2. The down payment for general store loans is 40-50%, and the high loan amount does not exceed 60% of the total price of the purchased store. Depending on personal work income, personal bank credit information and local bank policies, increase 10%-20%.

3. Buying a shop loan requires certain conditions: having a legal and valid residence status; There is a contract or agreement for the purchase of shops and houses; Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule; There is a down payment of not less than 50% of the total price of the purchased shop.

4. It is agreed to use the purchased shops as collateral or provide assets recognized by the loan bank as collateral, and pledge or pledge, or a unit or individual with guarantee qualification and sufficient compensation capacity will be the witness to repay the principal and interest of the loan and bear joint and several liabilities.

5. Relevant application materials need to be provided: the borrower's ID card (household registration book) or other valid residence documents, and the married person also needs to submit personal marital status certificate; The loan applicant fills in the Application (Approval) Form for Commercial Housing Loan; Down payment voucher; Contracts or agreements for purchasing shops; Proof of the borrower's family property and income; The identity certificate of the borrower; Other information required by the bank.