Commercial and residential buildings attract many buyers because of their versatility and superior geographical location. Generally, buyers compare the property rights of ball-bearing commercial and residential buildings. What is the property right of commercial and residential buildings? What is the loan interest rate for commercial and residential buildings? The following small series of Zhongfangtianxia will give you detailed answers, and commercial and residential buildings often expose some shortcomings in subsequent use. In this article, Bian Xiao will also give you detailed answers.
What is a commercial and residential building?
1. The commercial and residential building refers to a comprehensive building with both commercial and residential uses. The commercial and residential buildings are shopping malls, shops and businesses, and the rest are residential buildings. Commercial and residential buildings are not divided into construction subjects, which can be built not only by developers, but also by non-development enterprises and individuals. There is no requirement for sale. The land use nature of commercial and residential buildings is comprehensive land, and the term of use according to the state is 50 years.
2. The commercial and residential building is an ordinary building, with two floors for commercial use and the upper part for commercial and residential building. The commercial and residential prices in general houses are much higher than those in residential houses, and developers can obtain high profits through commercial and residential dual use.
Some companies use commercial and residential buildings for business activities, such as banks, bookstores, food supermarkets, post offices, etc. These industries exist.
What is the loan interest rate for commercial and residential buildings?
1. The interest rate and execution interest rate of the commercial and residential building loan are determined according to the credit status of the loan, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different.
2.20 1 1, and the benchmark mortgage interest rate is 0.5 times. Since 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In early April, the bank began to implement the first home loan interest rate concessions. The interest rate discount of some banks can be up to 15%.
3. The interest rate after 15% discount for five years or more is 6.55% 0.85 = 5.5675%. Due to the shortage of funds and credit funds, it has been tightening since the third quarter, and the interest rate may be between 15%- 15% after the Spring Festival.
What should I do after the property rights of commercial and residential buildings expire?
1, the ownership of the house (that is, the property right) is permanent, and there is no time limit. As long as the property is not completely damaged or lost, it can always be enjoyed; Land use rights have a time limit. The state grants land users the right to use for 40, 50 and 70 years by means of regular land transfer.
2. After the expiration, if the country needs to recover the land, and it must be recovered together with the buildings on the ground, then there is a problem. Because the house was developed first, the termination date of the land use right is subject to the termination time in the land transfer contract, that is, the land use right expires and the property has not yet reached the retirement age.
3. At this point, the building owner will compensate accordingly; If it is not recovered, the owner of the above-ground building may apply to the state for renewal one year before the expiration, and pay the land transfer fee again.
The above is about what property right is the commercial and residential building? What is the loan interest rate for commercial and residential buildings? I hope it can help friends who are ready to buy commercial and residential buildings. For more exciting content, please pay attention to our website.
2. What is the loan interest rate for commercial and residential buildings?
It is related to the implementation of interest rates.
The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1. 1 times the benchmark interest rate. Since 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In early April, the bank began to implement the first home loan interest rate concessions. The interest rate discount of some banks can be up to 15%. The interest rate is 6.55%0.85=5.5675% after 15% discount over five years. It has been tightened since the third quarter due to the shortage of funds and credit funds, and may be relaxed after the Spring Festival. The interest rate of the first suite is generally between the benchmark interest rate and the 15% discount.
According to the benchmark interest rate, the monthly interest rate is 6.55%/ 12.
Monthly repayment amount is 300,000 years (96 months):
3000006.55%/ 12 ( 16.55%/ 12) 96/[( 16.55%/ 12) 96- 1] = 4023.
3. What is the loan interest rate for commercial and residential buildings?
The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets. You can log on to our homepage and click on "Loan Interest Rate" under real-time financial information on the right.