You can apply for a bank loan to buy a shop, but you must meet the following conditions: 1, the borrower has full capacity for civil conduct and can provide valid identity documents; 2. Have the ability to repay the loan principal and interest; 3. Personal credit record is good; 4. There is a commercial housing sales contract or agreement; 5. Have a certain percentage of down payment; 6. Other requirements of the Bank. At present, the mortgage loan for individual shops provided by commercial banks can reach up to 60%, and the loan period does not exceed 10 year. According to the current commercial loan interest rate, it is a little higher than the personal housing loan interest rate. In addition, because the shop is an investment property, there is no distinction between the first suite and the second suite, which means that even if the shop purchased is the first suite under its name, it will be implemented according to this standard.

2. Can CCB apply for a store loan? What are the requirements?

Faced with the complicated loan procedures of banks, buying a house is even more common. Among the banks that lend money to shops, it can be regarded as one of the performance development banks. Many property buyers are concerned about whether CCB can handle shop loans. What conditions does CCB need to apply for a shop loan?

Can CCB apply for a shop loan?

1. Shops are not personal housing loans, so they cannot use provident fund loans. If you buy money, you can get a loan from a loan company. If you have good conditions and can stand the long waiting time, I recommend you to borrow money from the bank to buy a shop.

Second, when applying for a bank loan from a store, you need the borrower's ID card, mortgage certificate and other information. At the same time, the obligee also needs to provide a down payment certificate of more than 50% of the house price of the purchased shop. The longest loan for shops can be 10 years.

3. Units or individuals who agree to use the purchased shops as collateral or provide assets recognized by the loan bank as collateral or pledge, or have the responsibility to repay the principal and interest of the loan and bear joint liability.

What conditions does CCB need to apply for a shop loan?

1. The loan targets of CCB's shops are natural persons from Hong Kong, Macao and Taiwan with full civil capacity and the right of abode in Chinese mainland, and foreigners with full civil capacity and the right of abode.

Two, the construction bank store loan conditions:

1, with legal status;

Income, good credit, repayment of loan principal and interest.

3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank;

4. At least 50% or more of the self-raised funds shall be based on the total low amount of the purchased commercial housing, and shall be guaranteed to be used to pay the down payment of the purchased commercial housing;

Mortgage or pledge, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor.

Can CCB apply for a shop loan? What kind of loan does CCB need to apply for a shop loan? If the loan term is less than one year, it will be repaid with interest. No matter what kind of loan you choose, the loan interest rate should also be determined according to the actual situation. The rules of banks are flexible and cannot be generalized.

3. What are the conditions for the mortgage loan of shops?

Conditions to be met by shops: 1. The mortgagor has the ownership of the house, has obtained the right to use the state-owned land according to law, and the house has the conditions to enter the secondary real estate market, with clear property rights; 2. Mortgaged shops can only borrow money through formal channels and cannot use it for other purposes, otherwise the bank will not give you a loan. 3. The term cannot be too long, and the longest term cannot exceed 10 year. So we should control the repayment time. If it is overdue, the consequences will be serious and wealth will be empty. 4. A natural person who has reached the age of 18 and has full capacity for civil conduct must hold a resident identity card; 5. Have a good credit record: It is relatively easy for people with good credit to borrow money, and they will also give a higher amount. Otherwise, bad credit will be rejected, or the loan amount given is very low. 6. Repayment ability: Any lending institution does not provide services for free. Besides the principal, it also needs to repay interest, which requires repayment ability, which can usually be judged by combining income, liabilities and credit. 1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Ii. loan notes 1. Loan amount: when applying for a loan, the amount applied for should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should also apply for a loan amount according to their repayment ability to avoid the economic pressure caused by excessive monthly payment. 2. Loan information: The borrower must ensure that the information provided to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan. 3. Purpose of the loan: When filling in the purpose of the loan, the borrower should write down the purpose of the loan frankly and clearly, which will make it easier to pass the examination.

4. I am the shopkeeper. What are the conditions for a loan?

1. The loan targets of CCB shops: China citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland. Second, the loan conditions of CCB's shops: (1) have legal status; (two) a stable economic income, good credit and the ability to repay the principal and interest of the loan; (3) There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank; (4) Owning more than 50% of the total price or evaluation value of the purchased commercial house (whichever is lower), and guaranteeing to pay the down payment of the purchased commercial house; (5) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;