Calculate how much it will cost to decorate your home. When we start a business and decorate a house, there will be a shortage of funds, so some people will want to mortgage the commercial housing to the bank and get some funds. So can commercial housing be mortgaged? Next, Bian Xiao will briefly introduce it to you. 1. Loan applicants can apply for mortgage loans with commercial housing as collateral. But banks usually have certain requirements for mortgage houses. First of all, the mortgaged house should have clear property rights, meet the listing conditions stipulated by the state, and have strong liquidity. It cannot be a small property right house or an affordable housing for less than 5 years. 2. Secondly, if the commercial housing is not mortgaged, the age of the house usually cannot exceed 20 years, and some banks have strict requirements. If the house age exceeds 15, you can't apply for a mortgage loan. In addition, commercial housing is not included in the urban transformation plan, and there are real estate licenses and land certificates. When we apply for mortgage loan with commercial housing, the applicant must also meet the application conditions of bank loan. For example, the applicant is a person with full capacity for civil conduct, aged between 18-60 years old; The applicant has a stable occupation and income, and can repay the principal and interest on time; The applicant's personal credit information is good and so on. Different banks will have different application conditions for housing mortgage loans. You can consult the loan bank for specific application conditions. 4. According to relevant policies and regulations, the mortgage loan ratio of commercial housing is up to 70%; The highest proportion of mortgage loans for office buildings and shops is 60%; The mortgage loan ratio of factory buildings is up to 50%. The longest term of mortgage loan is 30 years. When applying for a housing loan, you can ask the bank staff to calculate the monthly repayment amount and choose the repayment method that suits you best. Bian Xiao Summary: Regarding whether commercial housing can be mortgaged, Bian Xiao will give you a brief introduction here. I hope that after reading this article, I can provide you with reference and help when applying for housing mortgage loans in the future. Enter the area and get the decoration quotation for free. Enter the area and get the decoration quotation for free.

2. Can I use the housing provident fund loan to buy a commercial house?

can

Meet the following conditions can be withdrawn from the housing provident fund account.

1, purchase, build and renovate to get vouchers;

2, retired, retired.

3. Complete loss of labor force is proved by valid extraction;

4. Settled in foreign countries, Hong Kong, Macao and Taiwan, with valid extraction certificate;

5. Proof of effective extraction for repayment of principal and interest of housing loan;

6, is included in the scope of the minimum living guarantee for urban residents in this city and pay the rent effective extraction certificate;

7, employees were sentenced to punishment during their employment, employee housing provident fund was transferred to centralized storage households for two years but not re-employed, employee accounts moved out of the city, non-registered employees left the city and terminated labor relations with their units.

Extended data:

Under the condition that the procedures are complete and conform to the relevant regulations of the transfer place, the national housing provident fund will be transferred to the housing provident fund management center in the transfer place, which solves the problems of employees running back and forth in the past, complicated procedures and too long time, and improves the convenience and effectiveness of services.

The deposit city provident fund center is responsible for reviewing employees' deposits and loans, issuing written certificates to the loan city provident fund center, and cooperating with the loan city public. The loan city provident fund is responsible for the business consultation, acceptance, review, issuance, recovery, change and post-loan management of off-site loans, and undertakes