Shops are the best choice for many people in China to invest in fixed assets, so shops all over the country are often robbed on the opening day. Prices in general stores are relatively high. Many times, the buyer's funds will have some differences and need loans. How many years can a shop loan last? \ r \ n \ r \ n \ r \ nCan I get a loan to buy a shop \ r \ n \ r \ n \ r \ nWhen the land of the shop is transferred by the government, its use nature belongs to commercial land, and its service life is 40 years; The nature is the same as that of an apartment, and commercial loans can be used. The loan process is the same as housing, but the loan ratio is different. If the buyer's own basic conditions are good, he can pass the bank's audit or apply for a bank loan; Materials to be prepared when applying: \r\n \r\n\r\n 1. The buyer provides valid identification and has full capacity for civil conduct; \r\n \r\n\r\n2。 Need proof of income, the bank will review the repayment ability; \r\n \r\n\r\n3. Personal credit is good, and the bank will check personal credit records; \r\n \r\n \r\n\r\n4。 Commercial housing sales contracts need to be prepared and issued before the down payment, and the down payment can only be paid after the house purchase contract is signed; \r\n \r\n\r\n5。 Proof of down payment. After the individual pays the down payment, the developer needs to issue a down payment certificate; \ r \ n \ r \ n \ r \ After the bank loan is approved, a loan contract will be signed, and the buyer only needs to repay the mortgage monthly. \ r \ n \ r \ n \ r \ nHow many years can a store loan last \ r \ n \ r \ n \ r \ nThe loan ratio for normal commercial land is 50%, and the loan amount is not capped for the time being; The current policy of loan term is 1- 10 years, and the interest rate is the same as the current policy of commercial loans; At present, individual banks can support 60% of shop loans, and commercial housing is not divided into the first suite and the second suite; At present, some repayment methods of shop loans are very convenient. You can choose to repay the principal and interest in one lump sum, or you can repay it normally on a monthly basis. You can repay part or all in advance according to the funds of the buyers. \ r \ n \ r \ n \ r \ n \ r \ Stores need to be wise and cautious when buying. Now a large number of shops have been developed in various properties, and many shop buyers have lost interest after buying them. Therefore, when investing, we must see clearly the location, environment and other factors, and choose shops with investment value.

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