With the continuous development of the real estate market, more and more investors turn to market houses. Then the question is, can I borrow money to buy a storefront? What conditions and information do you need for a store loan? Let me give you a brief introduction. Can rn get a loan to buy a store? Rn can get a loan to buy a shop. But the store is commercial, and the current policy is that the maximum loan for commercial housing can only be 50%, that is, the down payment needs 50%. For example, if the store price is 6,543,800+0,000, then a down payment of 500,000 and a loan of 500,000 are required. Conditions for the loan applicant of rn store: rn① has legal and valid residence status; Rn 2 has a contract or agreement to buy a store; Rn 3 has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan on time; Rn 4 down payment is not less than 50% of the total price of the purchased store; Rn⑤ agrees to use the purchased shops as collateral or assets recognized by the loan bank as collateral or pledge, or use units or individuals with guarantee qualifications and sufficient compensation capacity as guarantors to repay the principal and interest of the loan and bear joint and several liabilities. Term of loan for shops in rn: Generally, the longest term of mortgage loan for shops in rn is 10 year. Rn stores loan application information rn① borrower's ID card (household registration book) or other valid residence documents, and married people must also submit personal marital status certificate; Rn② The loan applicant fills in the Commercial Housing Loan Application (Approval) Form; Rn 3 down payment voucher; Rn 4 contracts or agreements for purchasing shops; Rn⑤ proof of the borrower's family property and income; Rn⑥ the identity certificate of the borrower; Rn⑦ Other information required by the bank. What is the loan process of rn store? rn 1。 Sign a sales contract with the landlord; Rn2。 Find an evaluation company to evaluate the property; Rn3。 Go to the bank to pay the down payment and apply for a loan; Rn4。 The bank approves the loan; Rn5。 After the approval, the buyer and the seller go to the exchange to handle the transfer of the real estate license; Rn6。 The bank lends money to the seller. Rn editor's summary: after reading the above introduction, I believe everyone has a further understanding of whether it is feasible to buy a storefront house with a loan. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.
Can I get a loan to buy a shop?
In the current market, it is still quite good to open a store by yourself, but the initial investment required for opening a store is relatively large, so the financial pressure can only be alleviated through store loans. Is there a loan for buying a shop? Now let's get to know each other.
I. Information required for store rental
1. It is necessary to provide the original and photocopy of the owner's ID card and household registration book, as well as proof of salary flow and income, sales contract and bank down payment.
2. Several major procedures for purchasing a store: signing a house purchase contract, paying the down payment, the buyer handling a commercial loan, going to the local trading center to verify the tax, transferring the store's storefront, handing over the house, and the bank transferring the loan to the seller's account.
Second, the relevant provisions of the store loan
1. Shop loans are commercial loans, which are obviously different from individual housing loans, so it is impossible to use provident fund loans. Shops can borrow money not only from banks, but also from loan companies.
2. If you apply for a store loan through a bank, the information you need to provide includes: my ID card, income, purchase contract of the store, mortgage certificate and down payment certificate. The longest loan for shops provided by banks can be extended to 65,438+00 years.
If I apply for a commercial loan, I have the ability to repay the loan and have a very good reputation, then I just need to follow the process of handling the loan.
Three. 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.
Can I get a loan to buy a shop? I think you have the answer now. You can apply for a loan to buy a shop, but you need to pay 50% of the down payment of the shop.
Can I get a loan to buy a shop?
You can borrow money to buy a shop, and you can use a mortgage loan.
Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets, and contract for purchasing commercial housing.
Housing mortgage bank loan procedures:
1. Need to open a current deposit account with a banking institution;
2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank;
3. The bank business manager or appointed lawyer shall conduct home visits to investigate the authenticity, legality and completeness of the information provided;
4. After the approval of the bank, notify the approval result and sign the loan contract;
5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;
6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract;
7. Please repay the principal and interest according to the loan contract. Shops can borrow money, but they can only buy five floors, and they have to pay a down payment for five floors. However, it is not bad to have money to buy a shop that can buy five floors. In the real estate industry, there is a saying that one generation of shops enriches three generations, which means that you can buy a shop yourself now, and then your grandson will make a fortune from this shop in the future. First of all, it should be noted that shop loans are a kind of commercial real estate loans, not personal housing loans, so provident fund loans cannot be used. The purchase of shops can be commercial loans, and loans can be made to loan companies. If you have good conditions and can endure a long waiting time, it is recommended to buy a shop with a bank loan.
When applying for a loan from a store bank, you need the borrower's identity certificate, income certificate, store purchase certificate, mortgage certificate and other information as well as other conditions required by the bank. At the same time, after submitting the application materials correctly, the borrower also needs to provide a down payment certificate of more than 50% of the house price of the purchased store. The longest loan for shops can be 10 years.
As long as the loan can be repaid and the repayment ability is good, you can submit an application to the bank according to the normal loan process.
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!
How to borrow money to buy a house? Is there a down payment rule?
Buyers can take out loans. Property buyers can borrow 10 years, because it is an investment property, so there is no difference between the first set and the second set.
Generally, the minimum down payment is 40-50%, and the maximum loan does not exceed 60% of the total price of the store.
Specific personal income and personal bank credit status, as well as local banking policies, fluctuate 10%-20%.
Commercial loan application conditions:
(1) has legal and valid residence status;
(2) A contract or agreement for the purchase of a store;
Have a stable occupation and income, good credit, and the ability to repay the principal and interest.
4, the purchase price is not less than 50%;
5. Agree to use the purchased store as collateral, or the assets recognized by the loan bank as collateral, and the mortgage or personal guarantee qualification and sufficient compensatory ability as the loan principal and interest and guarantor. Responsibility.
Application information:
(1) If the borrower's ID card (household registration book) or other valid proof of residence is valid, the married person shall also submit personal proof of marital status.
(2) The loan applicant fills in the Application Form for Commercial Housing Loan (for approval).
The first payment voucher;
(four) the contract or agreement for the purchase of the store;
(5) Proof of the borrower's family property and income;
(6) the identity certificate of the borrower;
Other information required by the bank.
Store mortgage down payment must be higher than 50%, and the interest rate should not be lower than 10%. The so-called 50% is calculated according to the value of the store you want to buy.
Shops mortgage is different from ordinary housing mortgage (mortgage property, the loan amount is generally 65%-70% of the value of real estate assessment). The interest rate is as high as 15%-30%.
The longest store can borrow 10 years. Because it is an investment property, there is no difference between the first set and the second set.
The minimum down payment is 50%, the maximum loan is 50%, and the lowest interest rate is 10%, depending on personal work income and personal bank credit, as well as local bank policies, ranging from 10% to 20%.
In the case of floating 10%, the interest rate is 7755% (for example, the benchmark interest rate is 7,05), and the highest interest rate is 15%: the interest rate is 8 1075%, up by 20%: the interest rate is 8,46.
For example, if the loan is 500,000 yuan and the loan term is 10 year, the difference between the maximum monthly supply of the two is less than that of 200 yuan. The deed tax in most cities is 4% yuan and 40,000 yuan. Some cities charge 3% and need 30,000 yuan. The minimum charge standard of maintenance fund is 2% yuan, which needs 20,000 yuan. There is also a handling fee of 30 thousand yuan and 3% The charge in this respect is generally in 30 yuan -90 yuan/m2, which is generally different in different provinces and cities.
So much for the introduction of how to borrow money from the store.