Nowadays, many people attach great importance to the sale of houses, which can be said to be very common now, but the operation process of this matter is not simple, and there are many factors related to the sale of houses, so many people attach importance to the way of payment. So what are the rules for commercial housing mortgage loans? What should I pay attention to when handling commercial housing mortgage loan? Nowadays, many people attach great importance to the sale of houses, which can be said to be very common now, but the operation process of this matter is not simple, and there are many factors related to the sale of houses, so many people attach importance to the way of payment. Now the most common way to buy is loan, so let's take a look at the provisions of commercial housing mortgage loans. What should I pay attention to when handling commercial housing mortgage loan?

What are the mortgage loan provisions for commercial buildings?

1. How is the commercial housing loan stipulated? Commercial housing loans are granted to houses that have been completed and accepted. The down payment ratio of the commercial housing purchase loan shall not be less than 50%, the term shall not exceed 10 year, and the loan interest rate shall not be less than 1. 1 times of the same grade interest rate published by the People's Bank of China. The specific down payment ratio, loan term and interest rate level are determined by commercial banks independently according to the relevant principles of loan risk management.

2. How to calculate the loan for commercial and residential dual-use houses? Commercial housing? If a loan is applied in the name, the down payment ratio shall not be less than 45%, and the loan term and interest rate level shall be implemented in accordance with the Provisions on the Administration of Commercial Housing Loans. Consider part of it? Commercial housing? What will happen to the "Notice" that is really used to meet the housing needs of residents? Commercial housing? The down payment ratio of loans increased from 40% to 45%, and the adjustment range was smaller than that of commercial buildings.

What should I pay attention to when handling commercial housing mortgage loan?

1. Before signing the contract, you should know the cooperative bank designated by the developer and ask yourself whether it meets the conditions for handling loans. In order to avoid the difficulty of checking out because the loan cannot be approved after signing the contract blindly.

2. You need to bring the original and copy of the basic certificate. They are: ID card of the buyer and seller, household registration book, marriage certificate, buyer's income certificate, bank running water, certificate of no room or first suite, down payment certificate, repayment card opened in loan bank, copy and original of house purchase contract, and real estate license. If a real estate agent is involved, a tripartite agreement is needed, and the bank loan officer will check, verify and copy the payment card opened by the seller in the loan bank.

3. The standard house sales contract text uniformly printed by the real estate management department shall be adopted. Fill in the items listed in the article item by item, and never be careless. Online signing is implemented in some areas, and the contents of the contract should be strictly verified when signing online. The purchase contract should only stipulate the down payment time and loan balance. Try not to agree on the time when the loan will arrive (the loan will be transferred from the mortgage bank to the developer's account), otherwise the buyer may be liable for payment breach for reasons other than his own.

Ask a lawyer or an expert to review the contract text for you from a legal point of view. Matters needing attention in signing a house purchase contract Pay attention to whether the rights and obligations in the contents filled in by both parties in the terms of the contract are equivalent. Reduce unnecessary losses.

The above content mainly describes what provisions I have for commercial housing mortgage loans? The introduction of all matters needing attention in handling commercial housing mortgage loans, as well as some relevant provisions of commercial housing mortgage loans, are described in detail in this article, hoping to help everyone, and some specific matters needing attention in handling are also mentioned in this article.