Formalities: 1. Bring all the application materials and apply for a store mortgage loan at the bank; 2. The bank conducts loan investigation and approval; 3. If the loan is approved, the bank shall go through the loan formalities according to the prescribed procedures after implementing the loan conditions; 4. The borrower shall repay the loan principal and interest as agreed in the contract; 5. After the loan is settled, go to the mortgage registration department for mortgage registration cancellation.

Second, what should the store do if the buyer wants a mortgage?

Regarding the issue of mortgage loans for shops, we should pay attention to the following: First, when you apply for mortgage loans, you must make sure that you have the property right of the shops, and then the bank will ask you about the purpose of the loans. Generally speaking, the big word is to buy a house or a car and decorate it. If the purpose of the loan is real and can provide post-loan verification, then Minsheng Bank or China Bank can be selected. If it is your first time to make a mortgage in these two banks, you can lower the interest rate by 30%, the maximum loan ratio is 80%, and the longest loan period is 30 years. If you just want to borrow some money to do some business, you can't provide real post-loan inquiry. Then you can get a loan from SDB. But the interest rate, even the first loan, can only be the benchmark interest rate or floating. And the longest loan term is 10 year. The maximum loan ratio is 60%.

Third, how to apply for mortgage loans for the right to use shops?

Legal analysis: The procedures for handling mortgage loans for the right to use shops are as follows:

1. The customer submits the application form and relevant basic materials to the bank;

2 banks in accordance with the relevant provisions of the loan investigation, review and approval;

3. The bank and the borrower sign the contract text and loan voucher, and go through the loan formalities.

Legal basis: Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.

4. What is the process of mortgage loan for owner-owned shops?

Processing flow

(1) Lenders apply for store mortgage loan together;

(2) The bank conducts loan investigation and approval;

(3) If approved, the bank will go through the lending procedures after implementing the lending conditions;

(4) The Lender shall repay the loan principal and interest as agreed in this Contract;

(5) After the loan is settled, the mortgage registration department shall handle the mortgage registration and cancellation procedures in accordance with the provisions of the bank.