Commercial loan buying process: signing up for tax payment is the first step of the loan buying process. Sign pre-sale contracts and sales contracts; Pay the down payment according to the specific requirements of the developer; Pay stamp duty to the developer at 0.5% of the house price. Submit an application \ The most complicated and important step in the process of buying a house with a loan is to submit an application. Unlike housing provident fund loans to buy a house, commercial loans to buy a house should be filled out and submitted in accordance with the regulations. \( 1) Fill in the application materials: individual housing loan application form, individual housing loan contract, lien contract for the ownership certificate of the loan house, power of attorney, commitment letter and conversation record. \(2) Submit application materials: ID card, household registration book, temporary residence permit, marriage certificate, education certificate and other relevant certificates of the applicant and spouse. Original house purchase agreement, proof of the applicant's family income and relevant assets, etc. , including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ; \(3) In the process of understanding how to buy a house by loan, we will find that, like the process of buying a house by housing provident fund loan, we only complete the application after completing the above-mentioned loan purchase procedures, and then wait for the bank's approval. Bank review \ The bank reviews the lender's credit status, loan amount and loan term according to the information provided by the lender. This step of the loan purchase procedure is dominated by the bank and is the key to the success of the loan application. , sign loan-related contracts \ After the approval of the bank, sign a series of contract documents with the lender. Most people think that after signing the contract, the process of buying a house with a loan is over. In fact, we have only completed most of the work in the loan purchase procedure, and there is still one step. The lender repays the loan on a monthly basis \ The last step of the loan purchase procedure is to repay the loan. The whole process of buying a house with a loan is not really over until the date when the loan is fully returned.
How many years can a shop loan last?
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.
What is the minimum down payment for buying a shop loan?
Store down payment 50%. The term of mortgage loan for individual shops provided by banks shall not exceed 10 years at the longest. But some commercial project developers can help you pay a part, such as 30% down payment, and then another 20% developers can help you pay first, as long as you pay back the money within the specified time.
If you buy a first-hand shop, you can borrow up to 50% of the contract price; If it is a second-hand shop, you can borrow up to 50% of the evaluation price. This evaluation price is not necessarily the amount of your actual transaction, but depends on the amount of the loan you need and your ability to bear the relevant taxes.
Shops are real estate specially used for business activities, and are places where operators provide commodity transactions, services and experiences to consumers. Broadly speaking, the concept of shops includes not only retail business, but also real estate used for entertainment, catering and tourism, profitable exhibition halls, stadiums, bathrooms, and commercial business trading places with physical buildings such as banks and securities.
Source: Baidu Encyclopedia Store
How to borrow money to buy a house? Step introduction
I believe many people know that houses are more expensive now. Generally, a suite in a big city costs millions, so many office workers can't afford to buy a house. But now the state has a policy that you can buy a house with a loan. What procedures do individuals need to borrow money to buy a house? How to borrow money to buy a house? Let's take a look at how individuals borrow money to buy a house, and what materials do they need to borrow money to buy a house? Friends who want to borrow money to buy a house can learn about it.
First, how do individuals borrow money to buy a house
Personal commercial housing loans refer to commercial loans issued by lenders to borrowers with their own funds for the purchase of commercial housing (including shops and office buildings). Loan amount: The maximum loan amount for individual commercial houses shall not exceed 50% of the price of purchased commodity houses (whichever is lower), and the commercial and residential houses shall not exceed 55%. Term of loan: The term of personal commercial housing loan shall not exceed ten years (including ten years) in principle. Loan interest rate: the loan interest rate of individual commercial housing is subject to the relevant regulations of the People's Bank of China, and the interest rate is not less than 65,438+0.65,438+0 times the interest rate of the same grade published by the People's Bank of China. If the loan term is less than one year, the interest will be calculated according to the contract interest rate, and the interest rate will remain unchanged when the statutory interest rate is adjusted; If the loan term is more than one year, if the legal interest rate is adjusted, the new interest rate level will be implemented at the beginning of next year according to the corresponding interest rate grade.
Second, the loan materials
1, loan application;
2. Valid identity documents and their photocopies;
3. Copy and photocopy of business license, copy and photocopy of tax registration or personal family income certificate;
4. The down payment certificate that the specified proportion of the purchased commercial house price has been paid;
5. Economic income or loan repayment plan approved by China Bank;
6, the purchase of commercial housing contracts, agreements or other valid documents;
7. List of collateral or pledge, ownership certificate, consent certificate of the mortgagee or pledgee, and collateral valuation document;
8. The guarantor agrees to provide written documents and credit certificates for the guarantee;
9. The borrower or developer shall provide the lender with materials to prove that the formalities of the commercial house are complete and the project is legal;
10. Other supporting documents or materials required by Bank of China.
Third, loan guarantee.
To apply for a personal commercial housing loan, a third party's property mortgage, pledge or irrevocable joint liability guarantee recognized by China Bank shall be provided before signing the loan contract.
Fourth, loan insurance.
Customers who use assets as collateral should apply for mortgage insurance according to the requirements of Bank of China, and the insurance period should not be shorter than the loan period. The insured amount of repayment liability insurance shall not be less than the sum of loan principal and interest, and Bank of China shall be the first beneficiary indicated in the insurance policy. The insurance policy shall not contain any restrictive clauses that are detrimental to the rights and interests of banks in China. During the period when the loan is not paid off, the original insurance policy shall be delivered to the Bank of China for safekeeping. During the validity period of the insurance, you shall not interrupt or cancel the insurance for any reason; If the insurance is interrupted, the Bank of China has the right to take out insurance on its behalf. If there is any damage beyond the insurance coverage, you should promptly notify the Bank of China and implement other guarantees. Otherwise, Bank of China has the right to recover the loan in advance.
The above is the process of buying a house with personal loan and the materials needed. If an individual needs a loan to buy a house, he needs collateral and proof of income. Most housing loans are from banks. Personal loans generally require loan guarantees. If you are an on-the-job employee, you can apply for a guarantee from the company. If the self-employed want to borrow money to buy a house, they need collateral. Buying a house with a loan requires a loan application, an ID card and a copy.
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What is the minimum down payment for shops?
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.
Is there a difference between commercial housing loan and housing loan?
The difference between shop loans and housing loans;
1, residential loans include commercial loans, and now residential loans are commercial loans and provident fund loans;
2. In terms of loan time, the store requires the house to be pre-sold or capped after the main body is completed and accepted;
3. The down payment ratio is 30% lower for houses and 50% lower for shops; Loan period: 0/0 year for the store and 30 years for the house;
4. In terms of loan interest rate, shops generally go up 10%, and houses generally go down15%; If the house is mortgaged, it can be mortgaged for decades: the loan period is 30% lower for the house and 50% lower for the shops, and then the rest is mortgaged in the bank. Store 65,438+00 years, house 30 years, loan interest rate.
(Introduction of housing loan related information):
Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. The housing loan interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have slightly increased.
Application conditions:
Housing loan (provident fund loan) application conditions:
(1) has valid identification;
(2) Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
(3) Persons who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the housing provident fund has been continuously paid for at least 6 months before applying for loans. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing housing loans.
(4) One of the husband and wife has applied for housing provident fund loans, and neither husband nor wife can obtain housing provident fund loans again before paying off the principal and interest of the loans. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
(5) When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. That is, when applying for housing provident fund loans, applicants are generally required to have no large loans, such as outstanding housing commercial loans and auto loans.
Reference link: Baidu Encyclopedia: Housing Loan