No, you can't get a loan until you pay it back. However, if your credit is good, you can do it.

Second, can commercial complexes be mortgaged?

Commercial complexes can be mortgaged. You can get the land certificate of commercial comprehensive land, and banks can apply for mortgage loans. However, such land needs to be assessed first, and banks will give loans at a discount according to the assessed value. Commercial complex is a multi-functional, high-efficient, complex and unified complex, which integrates more than three functions of urban living space such as business, office, hotel, exhibition, catering, conference and entertainment, and establishes a dynamic relationship of interdependence and mutual benefit among all parts.

3. Can commercial property houses be mortgaged?

Commercial housing can be mortgaged. When handling the mortgage loan, the house needs to have obtained the real estate license, and the loan can be handled within the amount assessed at the time of loan. If the assessed amount is relatively low, you can continue to submit other collateral at this time.

Users can consult the bank loan book and loan interest rate in advance when handling mortgage loans, and then choose a bank with low loan interest rate to handle loans. After handling the loan in such a bank, the interest paid will be lower, so you can choose different repayment methods when handling the loan.

When handling mortgage loans, the borrower's credit record must be good. If the credit is not good, the bank will not approve it. It should be noted that bad credit information cannot be changed, and borrowers cannot change banks. When the credit is bad, it should be corrected in time and disappear automatically after 5 years.

After handling the mortgage loan, the repayment must be made on time and cannot be overdue; In order to avoid loans, you should measure your repayment ability and know what kind of income you use to repay your debts. The income of the country is relatively low, so it is necessary

Four. The original document number is Hubei Zhengban 20 18 13?

Document Name: Opinions of the General Office of the Provincial Government on Further Reducing Enterprise Costs and Enhancing New Kinetic Energy of Economic Development

DocumentNo.: E. Zheng Ban Fa [20 18]No. 13

Release time:

Implementation time:

Municipal, state and county people's governments and provincial government departments:

In order to implement the spirit of the 19th National Congress of the Communist Party of China, further promote the supply-side structural reform, further reduce the cost of enterprises, effectively reduce the burden on enterprises, support the sustained and healthy development of the real economy, and continuously inject new kinetic energy into the province's economic restructuring and transformation and upgrading, with the consent of the provincial people's government, we hereby put forward the following opinions.

First, further reduce the energy costs of enterprises.

(1) Improve the service level of power supply enterprises. Further simplify the telegraph installation process of power supply enterprises and shorten the installation time limit. The power connection links of high-voltage and low-voltage customers are reduced to 4 and 3 respectively, and the average power connection time of 10 kV and 400 kV non-resident customers is reduced to 80 days and 30 days respectively. Completely cancel the design review and intermediate inspection of ordinary customers. For electric power construction projects undertaken by enterprises with the qualification of electric power contracting (repair and trial), power supply enterprises should access the power grid indiscriminately and send electricity in time. (Responsible units: Provincial Electric Power Company, Huazhong Energy Supervision Bureau and Provincial Energy Bureau)

(two) reduce the power grid link charges and transmission and distribution prices. In accordance with the unified arrangements of the state, efforts will be made to reduce the charges and transmission and distribution prices of power grids, and the general industrial and commercial electricity prices in our province will be reduced by about 10% by temporarily reducing the transmission and distribution prices and clearing up the price increase of indirect users such as commercial complexes. Continue to strictly implement the policy of canceling temporary electricity charges, and temporary electricity users will no longer pay temporary electricity charges. From 20 18 65438+ 10/0, the residual heat and pressure gas approved by relevant departments and meeting the policy requirements is connected to the power plant of Hubei power grid, and the system standby fee is exempted. (Responsible units: Provincial Price Bureau, Provincial Energy Bureau, Huazhong Energy Supervision Bureau, Provincial Electric Power Company)

(3) Deepen the reform of the power system and release the reform dividend. By promoting the construction of the power market, orderly liberalizing the electricity consumption plan and competitive link electricity prices, the scope and scale of the power market will be gradually expanded. Support the cultivation of power sales companies to participate in market transactions. Transfer all the profits of power generation enterprises to power consumption enterprises, and minimize the electricity consumption cost of the real economy. In 20 18, the transaction scale of the electricity market in the whole province is not less than 38 billion kwh. (Responsible units: Provincial Energy Bureau, Provincial Price Bureau, Huazhong Energy Supervision Bureau, Provincial Electric Power Company)

(4) Reduce the gas cost of enterprises. Strictly implement the transportation price of natural gas pipelines in the province, strengthen and improve the price supervision of urban gas distribution links, and speed up the verification of natural gas distribution prices. Comprehensively sort out the prices of all links of pipeline natural gas in the province, reduce the unreasonable cost of gas transmission and distribution, and reduce the intermediate links of gas supply. Encourage large users of natural gas to supply directly, and reduce the price of gas used by enterprises. Rectify and standardize the charging behavior of natural gas transmission and distribution enterprises, and seriously investigate and deal with price violations such as arbitrarily raising transmission and distribution prices and setting up charging items. (Responsible unit: Provincial Price Bureau, Provincial Energy Bureau)

Second, further reduce the logistics cost of enterprises.

(V) Continue to promote the reduction of fees and standards in expressway. By optimizing the traffic flow distribution mode in expressway, perfecting the differentiated charging policy, balancing the traffic volume of the road network, improving the overall operation efficiency of the road network and reducing the logistics cost of enterprises. Continue the preferential policy of expressway thoroughfare card charging, and realize electronic payment for users. When the toll standard of freight cars using expressway thoroughfare card for electronic payment is high, the traffic volume is low, and the poverty-stricken area is expressway, the preferential rate will be increased to 20%. Expand the preferential scope of international standard container transport vehicle tolls. (Responsible unit: Provincial Department of Transportation, Provincial Price Bureau)

(6) Innovating the policy of filing visas of origin. On the basis of credit management and product risk analysis, the applicant's filing procedures are simplified, and the certificate of origin is paperless and integrated, and the certificate of origin is notified and signed. (Responsible unit: Hubei Entry-Exit Inspection and Quarantine Bureau)

(seven) innovation of import and export products inspection and quarantine supervision mode. Preferential system shall be implemented for qualified maintenance enterprises to import used mechanical and electrical products, eliminating overseas pre-shipment inspection, simplifying evaluation procedures, and replacing batch inspection with batch supervision and management. In the areas under special customs supervision, supervision systems such as inspection and quarantine, pre-inspection, registration and verification shall be implemented for bonded display transactions (including bonded display and bonded display). (Responsible units: Hubei Entry-Exit Inspection and Quarantine Bureau, Provincial Department of Commerce, Wuhan Customs)

Third, further reduce the financing cost of enterprises.

(8) Increase financial support for the real economy. Guide banking financial institutions to expand credit supply, take the total amount of new loans as an important reference, and encourage the growth rate of new loans to be higher than the growth rate of total assets. We will continue to promote credit products such as tax credit loans and guaranteed insurance loans, develop credit products such as current loans, salary loans and trading loans, focus on promoting accounts receivable pledge financing, "two rights" mortgage loans and export tax rebate loans, and increase monetary policy tools such as refinancing, rediscounting and differential deposit reserve ratio to support small and medium-sized enterprises. (Responsible units: Financial Office of the Provincial Government, Wuhan Branch of the People's Bank of China, Hubei Banking Regulatory Bureau)

(nine) the implementation of the policy of supporting enterprise financing renewal. Encourage commercial banks to optimize corporate financing extension policies. If the enterprise financing needs to be extended due and meets the conditions of non-repayment, it shall be handled according to the policy of non-repayment, and non-repayment shall not be classified as a separate factor to reduce the loan risk. Standardize the development of loan funds for small and medium-sized enterprises, control the utilization rate of loan funds mainly from government funds within 50% of the benchmark interest rate of bank loans in the same period in principle, promote commercial banks to cooperate with loan funds to carry out related business, simplify operating procedures, shorten the time of "crossing the bridge" and reduce the cost of "crossing the bridge" for enterprises. (Responsible units: Wuhan Branch of the People's Bank of China, Hubei Banking Regulatory Bureau)

(ten) to clean up and standardize the financing service charges of financial institutions. We will further consolidate the results of the special inspection of charges by banks and other financial institutions in the early stage, focusing on illegal charges such as shifting the cost of credit services, forcing customers to buy services in disguise or disguised form, charging fees that are inconsistent with the quality and price of goods or services provided, and charging fees that exceed the price list of the head office, and taking measures such as rectification, repaying and punishment according to law. In the process of mortgage loan, if the collateral needs to be registered according to law, the mortgage registration department shall not force the enterprise to collect services and fees, and shall not force the enterprise to accept services and fees in designated institutions; When the mortgage registration expires, if the enterprise continues to apply for mortgage loan extension with the same collateral, the mortgage registration department will no longer charge the mortgage registration fee. (Responsible unit: Hubei Banking Regulatory Bureau and Provincial Price Bureau)

(eleven) support enterprises to expand the scale of direct financing. Strengthen the cultivation of listed reserve enterprises and implement the "multiplication plan for listed companies". Set up a "seed board" for listed companies in Wuhan Equity Custody Trading Center to guide listed companies to list or display in the "four-board" market and standardize them first. Increase policy support, improve the listing service system, and promote more enterprises to list and raise funds on the main board, small and medium-sized board and growth enterprise market. Encourage qualified cities, prefectures and counties to give appropriate rewards to domestic and foreign listed companies and "new third board" and "fourth board" listed companies, and form a multi-level and differentiated incentive mechanism for provinces, cities and counties. Support the "New Third Board" listed companies to carry out private placement. Guide qualified high-quality enterprises to issue corporate bonds, convertible bonds and asset securitization products, broaden financing channels, and support the issuance of local government bonds on the Shanghai and Shenzhen stock exchanges. Promote the financing of government and social capital cooperation (PPP) projects through asset securitization. Increase guidance and support for private equity and venture capital funds, and guide private capital to flow to the real economy. (Responsible units: Provincial Government Finance Office, Hubei Securities Regulatory Bureau, Provincial Department of Finance, Provincial Development and Reform Commission)

(12) Make full use of the preferential interest rate loans of the Export-Import Bank. We will increase the effective delivery of policy loans to foreign trade and the real economy, and arrange a discount loan of 10 million yuan in the provincial budget to promote the sustained and rapid growth of foreign trade and economic cooperation, reduce the financing cost of enterprises, support enterprises to "go global" and integrate into the "Belt and Road" construction. (Responsible unit: Provincial Department of Finance)

(thirteen) to support the construction of government financing guarantee system. Make full use of the national financing guarantee fund, carry out financing guarantee business in the form of equity investment and re-guarantee, and drive all parties to support small and micro enterprises, "agriculture, rural areas and farmers" and entrepreneurial innovation. Support the construction of a provincial re-guarantee platform, and the provincial finance will raise 5 billion yuan to strengthen the strength of the provincial re-guarantee group company. We will enlarge and strengthen the city, county and county guarantee institutions, strengthen and improve the development fund management of small and medium-sized entities that support the construction of the province's guarantee system by 5 billion yuan, improve and improve the fund management of major industries by 8 billion yuan, and adjust the direction of support. Encourage qualified city and county government financing guarantee institutions to initiate the establishment of guarantee groups and build a regional guarantee cooperation system. (Responsible units: Provincial Department of Finance, Provincial Economic and Information Committee, Wuhan Branch of People's Bank of China, Hubei Banking Regulatory Bureau, and Provincial Government Finance Office)

Fourth, further reduce corporate tax burden.

(fourteen) the implementation of value-added tax reform measures. According to the unified deployment of the State Council, from May 65438, 1965 to May 1 day, the value-added tax rate of manufacturing industries decreased from 17% to 16%, and the value-added tax rates of transportation, construction, basic telecommunications services and agricultural products were from11. Raise the annual sales standard of small-scale taxpayers in industrial enterprises and commercial enterprises from 500,000 yuan and 800,000 yuan to 5 million yuan, and allow enterprises registered as general taxpayers to register as small-scale taxpayers within a certain period of time; For qualified enterprises in advanced manufacturing industries such as equipment manufacturing and modern service industries such as R&D and power grid enterprises, the input tax that has not been deducted within a certain period of time will be refunded in one lump sum. Further expand the scope of pilot industries for the verification and deduction of input tax of agricultural products value-added tax, and unify the deduction standards of agricultural products in some industries or enterprises. Actively carry out publicity and counseling, improve collection and management service measures, conscientiously implement various transitional arrangements and preferential policies of the state, and ensure that the tax burden of all industries will only decrease rather than increase. (Responsible units: Provincial Department of Finance, Provincial State Taxation Bureau and Provincial Local Taxation Bureau)

(fifteen) the implementation of small profit enterprise income tax preferential policies. 1 October 20 17,1day to 20 19, 12, 3 1 day, the upper limit of the annual taxable income of small and low-profit enterprises will be raised from 300,000 yuan to 500,000 yuan. Small and low-profit enterprises with annual taxable income less than 500,000 yuan (including 500,000 yuan) (responsible units: Provincial State Taxation Bureau and Provincial Local Taxation Bureau)

(sixteen) improve the pre tax deduction ratio of research and development expenses of small and medium-sized science and technology enterprises. From 20 17 to 20 19 to 20 19 to 20 12 to 3 18, the actual R&D expenses for developing new technologies, new products and new processes for small and medium-sized scientific and technological enterprises will be increased from 50% to 75% before enterprise income tax. If the actual R&D expenses incurred in R&D activities of small and medium-sized scientific and technological enterprises are not included in the current profits and losses, they shall be deducted before tax according to 75% of the actual amount. If intangible assets are formed, they shall be amortized before tax according to 175% of the cost of intangible assets in the above period. (Responsible units: Provincial State Taxation Bureau, Provincial Local Taxation Bureau and Provincial Science and Technology Department)

(seventeen) to extend the preferential tax policies due. By 2020, 65438+February 3 1, the enterprise local education surcharge rate of 1_5% will continue to be implemented. By 20 19, 12 and 3 1, the urban land use tax will be levied by half on the land for bulk commodity storage facilities owned by logistics enterprises; Exempt farmers' interest income in financial institutions from value-added tax, and extend the scope of this preferential policy to all legally operated companies; For college graduates, people with employment difficulties, retired soldiers and other key groups. , value-added tax, urban maintenance and construction tax, education surcharge and individual (enterprise) income tax are deducted according to regulations. (Responsible units: Provincial Department of Finance, Provincial State Taxation Bureau and Provincial Local Taxation Bureau)

(eighteen) increase the deduction period of taxable income of public welfare donations of enterprises. If the public welfare donation expenses incurred by the enterprise are within 12% of the total annual profit, they are allowed to be deducted when calculating the taxable income; The part exceeding the total annual profit 12% is allowed to be deducted when calculating the taxable income within three years after carry-over. (Responsible unit: Provincial State Taxation Bureau and Provincial Local Taxation Bureau)

(nineteen) reduce the proportion of stamp duty approved by some enterprises. From May 8, 2065438 to May 0, 2065438/KLOC-5, 2065438, the approved rates of stamp duty collection for industrial enterprises, commercial enterprises, freight transport enterprises, warehousing enterprises and processing or contracting enterprises were 70%, 40%, 100% and 65438 respectively. (Responsible unit: Provincial Local Taxation Bureau)

(twenty) increase the intensity of resource tax relief. From July, 2065438 to June, 20, 2065438, 50% resource tax will be reduced for mineral products mined by low-grade mines that are encouraged to be used; For mineral products extracted from tailings that are encouraged to be used, the resource tax is reduced by 50%; Mineral products extracted from waste rocks, waste residue, waste water and waste gas are exempt from resource tax. (Responsible unit: Provincial Local Taxation Bureau)

(twenty-one) to expand the scope of exemption of employment security for the disabled. From April 20 17, the exemption scope of employment security fund for the disabled will be adjusted from small and micro enterprises with less than 20 employees (inclusive) to enterprises with less than 30 employees (inclusive) within 3 years from the date of industrial and commercial registration. After adjusting the scope of exemption, enterprises with less than 3 years of registration and 30 employees (inclusive) in industrial and commercial registration may be exempted from employment security fund for the disabled within the remaining period. The upper limit of the employment security fund for the disabled paid by enterprises will never exceed 3 times the average wage of the local society, and it will be reduced to 2 times. Reward enterprises that arrange employment for the disabled in excess of the proportion, and the specific measures shall be determined by the Provincial Disabled Persons' Federation in consultation with the Provincial Department of Finance. (Responsible units: Provincial Disabled Persons' Federation, Provincial Department of Finance and Provincial Local Taxation Bureau)

(twenty-two) to reduce the burden of patent payment. The patent registration fee will be stopped from August, 2065438 1 day. 20 18-2020, enterprises that pay the annual fee of invention patents with a validity period of more than 6 years of 654.38 million yuan (inclusive) or more will be subsidized by 50% of the total amount; Give preferential treatment to enterprises that obtained patent rights in that year. The discount amount is 50% of the total interest calculated by the bank's benchmark interest rate during the same period of loan issuance, and the discount amount of each project or enterprise does not exceed 500,000 yuan; Enterprises that implement patent transformation in Hubei and produce certain economic benefits will be given a subsidy of 20% of the contract turnover, and the amount of each subsidy or enterprise subsidy will not exceed 300,000 yuan. The required funds are arranged as a whole from the new funds of the provincial intellectual property special funds. (Responsible unit: Provincial Intellectual Property Office, Provincial Department of Finance)

(twenty-three) cancel and reduce some of the fees charged by enterprises. Systematically sort out the operating and service charges set by the government, let all those who have competitive conditions let go, and let market competition choose service subjects to form prices. We will fully implement the list system of business and service charges formulated by the government, implement a "list" of charges for enterprises involved in the province, and implement centralized and open online and dynamic adjustment management. Government pricing is not allowed outside the list. From May 20 1 year 18, the paid use fees of scenic resources will be suspended. Reduce the service fee standard for property right transaction of state-owned assets by more than 10%. It is strictly forbidden to charge or charge in disguised form the cancelled fees such as seismic safety evaluation fee, real estate file service fee, urban construction project completion file data storage fee, and new building lightning protection device detection fee. According to the principle of "whoever supervises (serves) shall bear the expenses", the relevant departments shall not charge any fees to the objects of supervision (services). (Responsible units: Provincial Price Bureau, Provincial Department of Finance, Provincial Housing and Construction Department, Provincial Tourism Commission, Provincial State-owned Assets Supervision and Administration Commission, Provincial Seismological Bureau and Provincial Meteorological Bureau)

Fifth, further reduce costs.

(twenty-four) improve the efficiency of administrative services. Focus on key areas such as real estate registration, project approval, and enterprise start-up, and further reduce links, processes, materials, and time limits to achieve faster approval and service efficiency. In accordance with the requirements of the "Implementation Opinions of the General Office of the Provincial People's Government on Accelerating the Reform of" Multi-certification Integration "(E-Ban Fa [2065438+07] No.59), we will consolidate and improve the" Multi-certification Integration "and promote the" negative list of residential information declaration "and the pilot of self-declaration of names. We will improve the reform system of "one network coverage, one operation", "Internet decentralization, strengthening supervision and improving services", and create an integrated government service model with deep integration of online and offline and complementary functions. Innovative supervision methods, promote the use of "double random, double open" supervision platform, and actively explore the inclusive and prudent supervision of new technologies, new industries, new formats and new models. (Responsible units: Provincial Organizing Office, Provincial Development and Reform Commission, Provincial Department of Land and Resources, Provincial Department of Housing and Construction, Provincial Administration for Industry and Commerce)

(twenty-five) to clean up and standardize intermediary services. Then cancel a number of intermediary services and certification materials for administrative examination and approval, and further improve the code of conduct for intermediary services before administrative examination and approval. Clean up and publish the list of intermediary services retained as a prerequisite for provincial administrative examination and approval, comprehensively promote the application of administrative examination and approval intermediary service management platform, and establish and improve the online bidding and credit evaluation system for intermediary services. Accelerate the classification reform of public institutions, the process of "five decoupling" of trade associations and chambers of commerce, and improve the policy norms for service charges of public institutions. Standardize the charging behavior according to the price code of conduct of trade associations, and guide trade associations to appropriately reduce the charging standards such as high membership fees. (Responsible units: Provincial Office, Provincial Price Bureau, Provincial Development and Reform Commission, Provincial Civil Affairs Department)

(twenty-six) comprehensively promote the "multi-measurement integration" in the field of construction engineering. Land surveying and mapping, planning surveying and mapping and other businesses involved in the examination and approval of investment projects shall be "multi-surveying in one", unified surveying and mapping, and enjoy the results. Encourage orderly competition among intermediaries in the field of construction projects, and guide intermediaries to reduce the charging standards for construction project planning survey, cadastral survey, ownership survey service and pile foundation testing service. (Responsible units: Provincial Housing and Construction Department, Provincial Department of Land and Resources, Provincial Bureau of Surveying and Mapping Geographic Information)

(twenty-seven) to clean up and standardize the enterprise margin. Strictly implement the list of enterprise-related deposits published by the State Council and the provincial people's government, and all enterprise-related deposit items outside the list will be cancelled. Intensify the efforts to clean up and return the cancelled funds of enterprise-related margin projects and overdue or overcharged margin funds, and resolutely stop all kinds of behaviors that occupy enterprise funds in the name of margin. Improve the wage guarantee system for migrant workers in the field of engineering construction, and promote the use of bank guarantees in housing construction and municipal facilities projects. Accelerate the construction of enterprise credit system, waive the deposit or reduce the payment ratio for enterprises with good credit records, and strive to reduce the capital occupation of enterprises. (Responsible units: Provincial Economic and Information Committee, Provincial Department of Finance, Provincial People's and Social Welfare Department, Provincial Housing and Construction Department, Provincial Administration for Industry and Commerce)

(twenty-eight) to improve the efficiency of fire service. Social fire practitioners who meet the requirements can sign up for the professional skill appraisal of special types of work in the fire protection industry free of charge. Further optimize the procedures for fire control approval and filing acceptance, and issue written audit opinions within 15 days from the date of acceptance. Need to organize expert review, expert review time is not included in the audit time. Reduce the scope of fire control facilities inspection and construction projects, and the interior decoration projects that have passed the fire control acceptance, without adding or changing fire control facilities, do not need to be inspected separately. When applying for fire control acceptance information, the construction unit only needs to provide the factory inspection certificate or the inspection certificate of an inspection agency with legal qualifications for building components, building materials and decoration materials (including flame-retardant PVC pipes) with fire control requirements (except for fire protection products that are subject to compulsory certification according to law and newly developed fire protection products that have not yet formulated national standards and industry standards). (Responsible unit: Provincial Fire Corps)

Sixth, further reduce the labor cost of enterprises.

(twenty-nine) continue to implement the "five insurance and one gold" preferential policy. According to state regulations, we will continue to implement relevant policies to reduce social insurance rates in stages. For enterprises that meet the conditions of reserved post subsidies but have not laid off employees, the proportion of reserved post subsidies will continue to be 70% of the total unemployment insurance premiums actually paid by enterprises and their employees in the previous year, and 50% will be reserved for enterprises that have laid off employees but the layoff rate is lower than the overall registered unemployment rate in cities and towns. For enterprises in difficulty, we will continue to implement the policy of appropriately reducing the proportion of housing provident fund deposits. (Responsible units: Provincial Department of Human Resources and Social Security, Provincial Department of Finance, Provincial Department of Housing and Construction)

(30) Increase financial support for small and micro enterprise trade unions. From April 1 day, 1965 to February 3 1 day, 2020, the trade union funds of small and micro enterprises exempted from value-added tax according to regulations will be fully returned to the enterprise trade union by the superior trade union. (Responsible unit: Provincial Federation of Trade Unions, Provincial State Taxation Bureau)

(thirty-one) the implementation of the insured workers enjoy skills upgrading subsidy policy. Encourage enterprises to train employees to improve their skills. For employees of enterprises who have participated in unemployment insurance according to law and paid unemployment insurance premiums in full for more than 36 months (including 36 months), they have obtained primary (level 5), intermediate (level 4) and advanced (level 3) vocational qualification certificates or vocational skill level certificates since 20 17 1. (Responsible unit: Provincial People's Social Welfare Department and Provincial Department of Finance)

All localities and departments should, in accordance with the division of responsibilities, strengthen policy propaganda, refine supporting measures, promote policy implementation, and report the progress of cost reduction work to the Office of the Special Leading Group for Economic System Reform of the province (located in the Provincial Development and Reform Commission) every quarter. The provincial people's government will timely organize a third-party evaluation of the implementation of cost reduction policies and measures, and at the same time carry out follow-up supervision, and adopt the methods of issuing supervision notices, interviews, listing supervision, etc. to ensure that all cost reduction policies and measures are implemented and achieve the expected results.