How to calculate the mortgage interest rate of shops? For citizens with certain economic strength, how to regenerate money is a very headache. Many citizens turned their eyes to the hot shops in the market. After buying the shop, they can rent it out, resell it and, of course, run their own business. For many small and medium-sized investors who intend to invest in shops, buying shops is not as easy as buying vegetables, so it has become the choice of many savvy investors to borrow money from banks to buy shops. Notes on understanding the interest rate of shop loans: This kind of loan called personal shop loan is just the opposite of personal housing loan. However, compared with the personal housing loan business, the introduction of the bank is relatively low-key, and this business is not as prosperous as the housing business, and the bank has also set stricter loan conditions. According to reports, at present, the mortgage loan for individual shops provided by commercial banks can reach up to 60%, the bank deposit interest rate, that is, the down payment can not be lower than 40% of the total house price, and the longest loan period can not exceed 10 year. In terms of loan interest rate, the commercial housing loan interest rate is based on the benchmark interest rate set by the central bank and cannot be lowered, which is also higher than the personal housing loan interest rate. Matters needing attention in understanding the loan interest rate of shops: borrowers need to submit necessary information such as identity certificate, income certificate, house purchase certificate, etc. At the time of loan, they also need to provide the bank with a down payment of more than 40% of the total house price of the purchased commercial house, and provide effective contents recognized by the loan bank. In addition, some banks require that the shops they buy must be existing houses, while others do not. Some banks can not only provide loans for individuals to buy shops, but also provide loans for individuals to rent shops. In terms of loan procedures and repayment methods, shop loans are similar to housing loans. Borrowers should carefully examine these specific situations and choose the bank loan interest rate suitable for their own banks. Notes on understanding the interest rate of shop loans: Of course, with personal shop loans, everything is not easy. When applying for this kind of loan, individuals should, like banks, do a good job of risk prediction and preparation in advance. Buying a shop is a relatively high-input and high-output investment behavior, accompanied by high risks. The success or failure of shop investment is closely related to its location, cost performance, surrounding environment, policies and other factors. Once a certain factor changes, shops will face difficulties in investment and bank loans will also be in crisis. Banks have fully considered these risk factors when setting the threshold for personal store loans, so banks will be more cautious in personal store loans than personal housing loans. Moreover, for investors, in terms of repayment period and interest rate, compared with individual housing mortgage, the repayment pressure of investment shops is also relatively large. Investors should be more cautious when lending money to banks to invest in shops. Taking stock of "things you don't know" Pan Shiyi is in constant trouble. Wulin No.1 hoarded huge profits. Beichen: At most, it was dragged down by the land king.