According to the housing loan policy, buyers choose commercial loans to buy shops, with down payment as low as 30% and loan as high as 70%. The buyer chooses commercial loans to purchase more than two houses, with the low down payment ratio of 50% of the appraised house price and the high loan ratio of 50%. The buyer chooses a commercial loan to purchase the commercial premises of the store, with the down payment ratio as low as 50% of the appraised house price and the loan ratio as high as 50%.

How much is the down payment for the mortgage loan of the shop?

1. According to the regulations of the bank, the loan ratio of commercial real estate is 50%, which means that the down payment is also 50%.

2. Shops mortgage is different from ordinary housing mortgage. The mortgage amount is generally 65%-70% of the real estate assessment value, with a low down payment of 50%, a high loan of 50% and a low interest rate 10%.

3. The mortgage of several state-owned banks' shops is based on the benchmark interest rate and then rises. In addition, I learned that there is a listed non-state-owned bank with the same interest rate as the state-owned bank. 50% down payment for the first-hand store mortgage, interest rate floating 10%, with a term of ten years and eight years for the second-hand store.

4. At present, the mortgage loan for individual shops provided by commercial banks can reach up to 60%, that is, the down payment is not less than 40% of the total house price, and the loan period is not more than 10 year.

What's the mortgage interest rate in this store?

1 In terms of loan interest rate, the loan interest rate for commercial houses is based on the benchmark interest rate set by the central bank and cannot be lowered. If you are going to apply for a loan at China Merchants Bank, the loan interest rate needs to be comprehensively priced in combination with the business type, credit status and guarantee method you apply for, and can only be determined after being approved by the handling outlets.

2.20 15, 10 10. If you apply for a mortgage after 24 October, the new interest rate is 4.9% (5 to 30 years). As for the provident fund, the interest rate of individual housing provident fund loans has not been adjusted due to the interest rate cut on October 24th, 2065438+2005/kloc-0. The loan interest rate of individual housing provident fund for more than five years has been lowered four times this year, from 4.25% at the beginning of the year to 3.25% at present.

3. In the case of floating 10%, the interest rate is 7.205% (the benchmark interest rate is 6.55%), and in the case of floating 15%, the interest rate is 7.86%.

4. There is only one kind of commercial mortgage loan for shops, and the interest rate is the benchmark interest rate floating up 10.

Discount rate of shop loan evaluation

The discount rate of shop loan evaluation is 65%-70%. The loan interest rate shall be the same level RMB fixed assets loan interest rate stipulated by the People's Bank of China, with a floating range of 5.85%-6.2 1%. The mortgage loan for personal shops provided by commercial banks can reach up to 60%, which is a little more favorable than personal housing loans according to the current commercial loan interest rate.

How much is the down payment for the store loan?

Most people know that saving money is becoming more and more uneconomical, so many people like to invest their money in shops. At this time, it is necessary to know in advance how much the down payment of its shop loan is. The following small series will introduce you to the down payment of the store loan.

How much is the down payment for the store loan?

1. Generally speaking, the down payment for buying a store is 50%. As for the term of personal store mortgage loan provided by banks, it shall not exceed 10 year.

2. For example, if you buy a first-hand shop, then most of the loanable contract prices are 50%; If it is a second-hand shop, you can borrow more than 50% of the evaluation price. You know, the evaluation price generally does not depend on your actual sales. Generally speaking, it is also determined by the loan amount and the affordability of related taxes and fees.

3. If you are still a student, you can apply for a "start-up loan" on the basis of normal loans, which can be interest-free for one year, and you may apply for more loans.

4. If it is handled according to the commercial loan interest rate, the personal housing loan interest rate will be relatively higher. Need to pay: buyer's deed tax = 3% of the sales price; In addition, the handling fee = 0.5% of the sales price; Stamp duty = 0.05% of the sales price.

Can I buy a shop by mortgage?

1 first of all, it should be clear that it belongs to the category of commercial real estate loans, such as shop loans, so it is not a personal housing loan, so you can't use provident fund loans when handling it. You can apply for a commercial loan if you buy a shop. You can get a loan from a loan company. If you feel that your conditions are good and you are not in a hurry, you can apply for a bank loan to buy a shop.

2. When you apply for a bank loan from the store, you should prepare the materials. First of all, you should prepare the borrower's identity certificate, income certificate, store purchase certificate, mortgage certificate and other materials. Only after these materials are complete can you apply to the bank. You should know that the borrower also needs to provide a down payment certificate of more than 50% of the house price of the purchased store.

As long as you can repay the loan and your credit is good, generally speaking, the bank will submit an application to the bank to handle your loan process.

Summary: That's all for the down payment of store loans. There are several types of down payment for shop loans, which must be clearly understood before handling. I hope the above introduction will be helpful to everyone.

Can I get a loan to buy a shop?

Many local people like to invest in shops, so the investment is relatively stable, whether it is self-occupation or rental, but it belongs to commercial shops. The following small series will introduce you to buy a shop can I borrow money?

1. First of all, it should be noted that the store loan is a commercial real estate loan, not a personal housing loan, so it is impossible to use the provident fund loan. You can borrow money from a loan company to buy a shop, which can be used for commercial loans. For example, if you have good conditions and can endure a long waiting time, you can recommend a bank loan to buy a shop here. When applying for a loan from a store bank, the first materials to be prepared are the applicant's ID card, income certificate, store purchase certificate, mortgage certificate and other materials, and other materials can be prepared before meeting other conditions put forward by the bank. At the same time, after submitting the application materials correctly, the applicant should also provide a down payment certificate of more than 50% of the house price of the store. The loan period of a store can be 10 years.

2. If you have the ability to repay the loan and the repayment ability is good, you can submit an application to the bank according to the normal loan process. It is understood that the purchase of shops, you can apply for bank loans. First, you must meet the following conditions: the borrower must first have full capacity for civil conduct and provide valid identity documents; Having the ability to repay the loan principal and interest; Moreover, the personal credit record is also good, and there must be a commercial housing sales contract or agreement.

3. At present, the mortgage loan for individual shops provided by commercial banks can also be divided into 60%, so the loan term cannot exceed 10 years. According to the current commercial loan interest rate, it is relatively higher than the personal housing loan.

Summary: About buying a shop and getting a loan, that's enough. You can apply for a loan, but you have to prepare some relevant procedures in advance. I hope the above introduction will be helpful to everyone.

Why do shops need 60% loan?

Because the requirements for shop loans are different.

The mortgage rate of shops can generally reach about 60% of the assessed price, that is, the value of shops is 6,543.8+0,000, and the assessed price is 6,543.8+0.6 million, so the mortgage amount is about 960,000. The level of mortgage rate depends on the borrower's credit record, the type of collateral, the evaluation limit of collateral, the loan period and other printed materials, and the mortgage rate is stipulated according to the scope of collateral. The order of mortgage rate from high to low is generally securities, current assets, real estate, other fixed assets and five-star assets, among which the mortgage rate of national debt is the highest, reaching about 90%.

The mortgage loan ratio of shops is 50%. According to the regulations of the bank, the loan ratio of commercial real estate is 50%, which means the down payment is also 50%. Shop mortgage is different from ordinary house mortgage, which is based on mortgaged property. The loan amount is generally 65%-70% of the real estate assessment value, with a low down payment of 50% and a high loan of 50%, and the interest rate is lower than 10%. At present, most of the personal mortgage loans provided by commercial banks can reach 60%, that is, the down payment can not be less than 40% of the total house price, and the loan period can not exceed 65438+.