Nowadays, many people who buy houses apply for mortgage loans to reduce the pressure of payment. Loans are mainly divided into three forms: commercial loans, provident fund loans and portfolio loans. Everyone knows that the term of mortgage loan is different, but you can also apply for a loan to buy a shop facade. What are the procedures for buying a shop facade loan? How much is the interest on the bank loan?
What are the procedures for buying a shop facade loan?
There is no doubt that you can apply for commercial loans to buy shop fronts, but the restrictions are different in different regions. For example, if you don't have your own house and shop in Anhui, you don't belong to the local hukou, so it's relatively difficult to get a loan.
65438+ (For loans guaranteed by guarantee companies, bank approval is relatively loose, and the loan amount may be higher, but the guarantee fee needs to be paid more. )
2. Bank approval. Banks will verify the authenticity of documents provided by buyers and sellers, and some banks will also verify whether the bank flow provided by buyers is true. Banks will control according to their respective loan quotas. If the bank loan amount is small, the approval will be relatively difficult. Comparatively speaking, the loan granting speed in the first half of each year is faster than that in the second half.
3. When the loan is approved, the bank will give a notice, and it can be processed within 2 working days. In principle, you can apply for commercial housing mortgage loans with a term of 10 years. The general loan amount does not exceed 50% of the appraisal price, and the loan interest rate rises. Now that the country has tightened monetary policy, the credit of banks has shrunk accordingly, and the requirements for loan customers have increased.
How much is the loan interest of each bank for buying a shop facade loan?
1, ICBC's commercial loan for individual housing with a term of more than 5 years is 6. 12% (customers can go down appropriately). The lower limit of interest rate will be 0.9 times of the benchmark interest rate of 6. 12%, that is, 5.5 1%.
2. For personal commercial housing loans issued by China Construction Bank after March 12%, the central bank's benchmark interest rate will generally be 6. 12%, but it can be raised or lowered according to specific conditions.
3. China Merchants Bank 6. 12% (customers can go down). 1 ~ 3 years (inclusive) mortgage interest rate is 5.76%, 3 ~ 5 years (inclusive) is 5.85%, and 5 years or more is 6. 12%. The proportion of loans depends on different areas and houses.
4. The Bank of China has not decided that the first villa currently purchased by the lender should be implemented at the benchmark interest rate of 6. 1.9 times, that is, 5.5 1%. If the buyer has borrowed money, the interest rate of the second (or above) loan purchased shall be 6. 1.2% of the benchmark interest rate of the same grade.
Which bank in Xiamen can borrow money from shops?
The borrower must have a mortgaged house, full house or shop under the name of Xiamen, which belongs to enterprise credit loans and does not need to mortgage the property;
The loan amount is 500,000-500,000, which is relatively high, with 300,000 for consumer use and 500,000 for business use;
2.
Huaxia Bank operates mortgage loans:
The loanable amount is 200,000-10/00,000, and the loan property value is 70%, with the longest repayment period.
Which banks can buy mortgages?
All major commercial banks can make mortgage loans for shops, such as Industrial and Commercial Bank of China, China Merchants Bank, China Construction Bank, Agricultural Bank and China Bank. However, the shops used to make mortgage loans need to obtain corresponding property rights and meet the relevant regulations of banks. Loan recommendation, consult Moerlong. Moerlong does not mortgage the house loan, and the loan can be extended as soon as 1 day. Apartment shops can also apply.
Generally, major banks require users to provide identification, work certificate, bank account, shop property certificate, loan application form, loan purpose description, etc. when handling shop mortgage loans. After submitting the information, the bank will conduct an audit, and after the audit is passed, the corresponding loan can be obtained. Real estate mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration. Financial institutions give borrowers a certain credit line within the stipulated mortgage interest rate. Generally speaking, the loan approval and lending cycle of financial institutions are relatively long.
For more information about the loan, please consult Moore Long. Moerlong is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on the strong Internet and information technology R&D and operational capabilities, excellent management team and resource integration advantages, we strive to build industry standards in terms of customer acquisition, marketing, operation and product design, and provide customers with lower interest rates and more valuable loan products. Mo Long's loan products are all from partners, including traditional banks, emerging consumer finance companies and microfinance companies. Big brand, trustworthy!
So much for the introduction of ICBC's shop loans.