Commercial housing is commercial in nature, and it is not allowed to enjoy provident fund loans and housing loans, but only commercial consumption loans. The minimum loan interest rate is 1. 1 times the benchmark interest rate.

Second, can commercial housing be loaned?

Commercial housing can be loaned. However, commercial housing must use commercial loans, and the down payment is not less than 50%. Commercial housing refers to self-operated commercial housing or office space, which is different from white housing. Individuals who purchase commercial housing cannot apply for housing provident fund loans. Commercial housing is commercial in nature, and it is not allowed to enjoy provident fund loans and housing loans, but only for commercial consumption loans. The minimum loan interest rate is 1. 1 times the benchmark interest rate. From the legal point of view, commercial housing refers to all kinds of commercial housing that can be traded freely in the market according to laws, regulations and relevant regulations and are not restricted by government policies, including newly-built commercial housing and second-hand housing (stock housing). Commercial housing can be divided into export commercial housing and domestic commercial housing according to different sales targets. There are two explanations for commercial housing: first, it can be a storefront or a residence (commercial and residential); Second, downstairs is the storefront, upstairs is the house, and the property right belongs to the same person. The term of land use right, for example, 40 years, is a commercial and residential building, and the down payment is 4.5% of the commercial housing loan interest rate (minimum floating10%); If it is 70 years, it is a house, and the down payment is 20% (the first set) according to the residential mortgage interest rate (the maximum down payment is 30%). What are the advantages of commercial housing? First, it is not limited to purchase. The biggest advantage of commercial and residential dual-use houses is that they are not limited to purchase. Whether it is Beijing's purchase restriction or Tongzhou's most restrictive purchase order, there is no restriction that commercial and residential dual-use houses and commercial and residential dual-use houses are not the first suites. Second, the area is small. Small apartments for commercial and residential use are generally relatively small, mostly around 40_~70_, which is very suitable for young people to live or invest. Third, both commercial and residential, commercial and residential dual-use real estate can live or do business by doing its unique positioning and apartment type, and it is also very suitable for enterprises with low office costs. Fourth, flexible. Because of the unique regional location, commercial and residential apartments are basically located in the financial city complex, plus small area and strong investment, which is very flexible for the owners and convenient for renting and selling. According to the property law, the house can be automatically renewed after 70 years; For commercial projects, the service life is generally 40 years. The provisions of the Property Law on the follow-up period of the expiration of such places are not clear. In other words, residential land can be automatically renewed after it expires, but commercial land cannot.

Third, can commercial housing be loaned?

Commercial housing can be loaned.

However, commercial housing must use commercial loans, and the down payment is not less than 50%. Commercial housing refers to self-operated commercial housing. Individuals who buy commercial housing without housing are of a commercial nature, and can only borrow as low as the benchmark interest rate 1. 1 times without loans. From a legal point of view, commercial housing is all kinds of commercial and second-hand houses (stock houses) that can be traded freely in the market and are not restricted by government policies. Commercial housing can be divided into export commercial housing and domestic commercial housing according to different sales targets.

There are two explanations for commercial housing: first, housing (commercial and residential use); Second; Downstairs is the life of serving the store; If it is 40 years; Interest rate (lowest floating interest rate 10%) is 450% down payment. If 70 years, (up to 30%), 20% down payment (first set).

Advantages of commercial housing

1. Unlimited purchase. The biggest advantage of commercial and residential dual-use houses is that they are not limited to purchase. Whether it is Beijing's purchase restriction or Tongzhou's most restrictive purchase order, there is no restriction that commercial and residential dual-use houses and commercial and residential dual-use houses are not the first suites.

Second, the area is small. Small apartments for commercial and residential use are generally relatively small, mostly around 40_~70_, which is very suitable for young people.

Third, both commercial and residential, commercial and residential dual-use real estate can live or do business by doing its unique positioning and apartment type, and it is also very suitable for enterprises with low office costs.

Fourth, flexible. Commercial and residential apartments are very flexible for owners because of their unique regional location, small area and strong investment. They can be rented and sold conveniently and quickly, and can be automatically renewed after 0 years. For commercial projects, the service life is generally 40 years. The provisions of the Property Law on the follow-up period of such land expiration are not clear. It can be automatically renewed after expiration, but it is not applicable to commercial land.

4. Can commercial housing be loaned?

Commercial real estate can be loaned, but the loan period for commercial land is short, generally 10 years, and the loan interest rate is relatively high, generally above 6%, and the down payment for commercial loans must meet 50%. Commercial loans are not 30% down payment like ordinary houses, and the down payment of commercial loans must not be less than 50%. When dealing with the sale of commercial housing, the tax on commercial housing is also relatively high, and the property rights of commercial land and houses are between 40 and 50 years.