50% of the total price
Generally, it can be borrowed for 10 years at most.
Interest rate rise 10%
2. What is the down payment for commercial and residential housing loan/housing mortgage?
At present, the loan policy of commercial housing is that the minimum down payment is 50% and the interest rate rises 10%. However, according to industry sources, because commercial housing loans are not as strict as residential loans, there are still banks that may issue benchmark interest rate loans to a few "quality customers", and some small and medium-sized joint-stock banks with small business volume need special approval according to the credit status of customers.
Commercial housing loans are different from housing loans, and the amount of loans and interest rates are the same. But there are many conditions for applying for this kind of loan. For example, banks in China must meet the following conditions at the same time: they have local permanent residence or valid residence status; Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; Signing a contract agreement with the developer to purchase commercial housing must be an existing house that has been completed and accepted, has excellent development prospects and belongs to a permanent building; Have the ability to pay the down payment stipulated by the bank; Provide effective guarantee recognized by the lender, etc. Industrial Bank also requires that the sum of the lender's age and loan term should not exceed 70, and open a personal bank settlement account with Industrial Bank. CCB also requires lenders to have valid contracts and agreements for house purchase, construction and overhaul.
In addition, the term of commercial housing loans is not as long as 30 years of housing loans. CCB, ICBC, Industrial Bank, etc. All of them are "no longer than 10 year", and China Bank is "in principle, the longest is 10 year (including 10 year)".
Third, Beijing commercial and residential dual-use housing?
Commercial and residential dual-use houses refer to houses that can be used for both business and residence. This kind of house has an independent property land certificate, which will indicate the purpose.
1, Beijing commercial and residential dual-use housing policy: the down payment ratio of commercial and residential dual-use housing is 50%, which is much higher than 30% of the first ordinary housing. The loan interest rate is 1. 1 times that of ordinary housing, and the longest loan period is 10 year. Moreover, the housing provident fund cannot be used for loans, and tax incentives are not implemented when purchasing. There are many preferential tax policies for ordinary houses, but there are no corresponding preferential tax policies for commercial and residential houses.
2. Commercial and residential houses can't move into the hukou, which means that children who buy this type of house can't go to school nearby. In addition, utilities and property fees for commercial and residential dual-use houses are generally charged according to commercial standards, far exceeding the residential charging standards, which will increase the living cost of buyers.
4. What is the down payment for the store mortgage loan?
Bank of China has personal commercial housing loans (including shops, businesses, etc. ). Personal commercial housing loans must pay a down payment of not less than 50% of the total price of the purchased commodity housing (the down payment ratio of commercial and residential dual-use housing shall not be less than 45%), and a settlement account shall be opened in China Bank. Where the relevant laws, regulations, regulatory provisions or national policies change the down payment ratio of individual commercial housing, such provisions shall prevail. Bank of China has many kinds of loans. If there is loan demand, it is recommended to contact local outlets for detailed consultation. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.