Loan is a very common behavior in modern society. Most people choose loans to raise funds when buying a house, a car or investing. Generally speaking, if they want to borrow a large sum of money from the bank, they must have relatively high-value fixed assets as collateral before they can borrow. For example, commercial housing and other assets are relatively high in value and are good collateral, so commercial housing can't be loaned? Let's take a look with Qijia. Com experts.

1. Can't commercial housing be loaned?

Commercial housing can also be loaned. As long as you have the relevant property right certificate, you can mortgage it and borrow from the bank. However, the loan amount is lower than that of commercial housing, because the value of these properties is not high and they do not have the basic attributes of commodities. In addition, houses without real estate license, houses with collective land, houses in old city reconstruction and houses with mortgaged land use rights cannot be loaned.

Second, what should be paid attention to in commercial housing mortgage?

1, pay attention to the room age.

The value of commercial housing will depreciate with a certain number of years. This is because the use of the house for a long time leads to the decline of the overall quality of the house, and the shorter the land use period leads to the decrease of the overall value. It is difficult for this kind of elderly commercial housing to use bank loans as collateral, and it is likely to face the risk of loan rejection. Therefore, it is best to pay attention to the age of the house before mortgage, and it is best to conduct a market evaluation first.

2. Pay attention to repayment ability.

When handling the mortgage of commercial housing, the borrower needs to verify the repayment ability, mainly to avoid some risks such as overdue repayment or non-repayment of loans, which has relevant restrictions on the borrower's economic income and requires him to have the ability to repay loans and principal and interest. In addition, there are certain requirements for personal credit reporting. If he has a bad credit record, he can easily be refused a loan.

Editor's summary: The above is an introduction about whether commercial housing can be loaned. I hope what Bian Xiao shared can give you some reference. If you want to know more, you can pay attention to our family. Com for consultation.

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