Most people know that saving money is becoming more and more uneconomical, so many people like to invest their money in shops. At this time, it is necessary to know in advance how much the down payment of its shop loan is. The following small series will introduce you to the down payment of the store loan.

How much is the down payment for the store loan?

1. Generally speaking, the down payment for buying a store is 50%. As for the term of personal store mortgage loan provided by banks, it shall not exceed 10 year.

2. For example, if you buy a first-hand shop, then most of the loanable contract prices are 50%; If it is a second-hand shop, you can borrow more than 50% of the evaluation price. You know, the evaluation price generally does not depend on your actual sales. Generally speaking, it is also determined by the loan amount and the affordability of related taxes and fees.

3. If you are still a student, you can apply for a "start-up loan" on the basis of normal loans, which can be interest-free for one year, and you may apply for more loans.

4. If it is handled according to the commercial loan interest rate, the personal housing loan interest rate will be relatively higher. Need to pay: buyer's deed tax = 3% of the sales price; In addition, the handling fee = 0.5% of the sales price; Stamp duty = 0.05% of the sales price.

Can I buy a shop by mortgage?

1 first of all, it should be clear that it belongs to the category of commercial real estate loans, such as shop loans, so it is not a personal housing loan, so you can't use provident fund loans when handling it. You can apply for a commercial loan if you buy a shop. You can get a loan from a loan company. If you feel that your conditions are good and you are not in a hurry, you can apply for a bank loan to buy a shop.

2. When you apply for a bank loan from the store, you should prepare the materials. First of all, you should prepare the borrower's identity certificate, income certificate, store purchase certificate, mortgage certificate and other materials. Only after these materials are complete can you apply to the bank. You should know that the borrower also needs to provide a down payment certificate of more than 50% of the house price of the purchased store.

As long as you can repay the loan and your credit is good, generally speaking, the bank will submit an application to the bank to handle your loan process.

Summary: That's all for the down payment of store loans. There are several types of down payment for shop loans, which must be clearly understood before handling. I hope the above introduction will be helpful to everyone.

How to borrow money to buy a house? Is there a down payment rule?

Buyers can take out loans. Property buyers can borrow 10 years, because it is an investment property, so there is no difference between the first set and the second set.

Generally, the minimum down payment is 40-50%, and the maximum loan does not exceed 60% of the total price of the store.

Specific personal income and personal bank credit status, as well as local banking policies, fluctuate 10%-20%.

Commercial loan application conditions:

(1) has legal and valid residence status;

(2) A contract or agreement for the purchase of a store;

Have a stable occupation and income, good credit, and the ability to repay the principal and interest.

4, the purchase price is not less than 50%;

5. Agree to use the purchased store as collateral, or the assets recognized by the loan bank as collateral, and the mortgage or personal guarantee qualification and sufficient compensatory ability as the loan principal and interest and guarantor. Responsibility.

Application information:

(1) If the borrower's ID card (household registration book) or other valid proof of residence is valid, the married person shall also submit personal proof of marital status.

(2) The loan applicant fills in the Application Form for Commercial Housing Loan (for approval).

The first payment voucher;

(four) the contract or agreement for the purchase of the store;

(5) Proof of the borrower's family property and income;

(6) the identity certificate of the borrower;

Other information required by the bank.

Store mortgage down payment must be higher than 50%, and the interest rate should not be lower than 10%. The so-called 50% is calculated according to the value of the store you want to buy.

Shops mortgage is different from ordinary housing mortgage (mortgage property, the loan amount is generally 65%-70% of the value of real estate assessment). The interest rate is as high as 15%-30%.

The longest store can borrow 10 years. Because it is an investment property, there is no difference between the first set and the second set.

The minimum down payment is 50%, the maximum loan is 50%, and the lowest interest rate is 10%, depending on personal work income and personal bank credit, as well as local bank policies, ranging from 10% to 20%.

In the case of floating 10%, the interest rate is 7755% (for example, the benchmark interest rate is 7,05), and the highest interest rate is 15%: the interest rate is 8 1075%, up by 20%: the interest rate is 8,46.

For example, if the loan is 500,000 yuan and the loan term is 10 year, the difference between the maximum monthly supply of the two is less than that of 200 yuan. The deed tax in most cities is 4% yuan and 40,000 yuan. Some cities charge 3% and need 30,000 yuan. The minimum charge standard of maintenance fund is 2% yuan, which needs 20,000 yuan. There is also a handling fee of 30 thousand yuan and 3% The charge in this respect is generally in 30 yuan -90 yuan/m2, which is generally different in different provinces and cities.

Can I get a loan to buy a shop?

Many local people like to invest in shops, so the investment is relatively stable, whether it is self-occupation or rental, but it belongs to commercial shops. The following small series will introduce you to buy a shop can I borrow money?

1. First of all, it should be noted that the store loan is a commercial real estate loan, not a personal housing loan, so it is impossible to use the provident fund loan. You can borrow money from a loan company to buy a shop, which can be used for commercial loans. For example, if you have good conditions and can endure a long waiting time, you can recommend a bank loan to buy a shop here. When applying for a loan from a store bank, the first materials to be prepared are the applicant's ID card, income certificate, store purchase certificate, mortgage certificate and other materials, and other materials can be prepared before meeting other conditions put forward by the bank. At the same time, after submitting the application materials correctly, the applicant should also provide a down payment certificate of more than 50% of the house price of the store. The loan period of a store can be 10 years.

2. If you have the ability to repay the loan and the repayment ability is good, you can submit an application to the bank according to the normal loan process. It is understood that the purchase of shops, you can apply for bank loans. First, you must meet the following conditions: the borrower must first have full capacity for civil conduct and provide valid identity documents; Having the ability to repay the loan principal and interest; Moreover, the personal credit record is also good, and there must be a commercial housing sales contract or agreement.

3. At present, the mortgage loan for individual shops provided by commercial banks can also be divided into 60%, so the loan term cannot exceed 10 years. According to the current commercial loan interest rate, it is relatively higher than the personal housing loan.

Summary: About buying a shop and getting a loan, that's enough. You can apply for a loan, but you have to prepare some relevant procedures in advance. I hope the above introduction will be helpful to everyone.

Can I get a loan to buy a shop?

With the continuous development of the real estate market, more and more investors turn to market houses. Then the question is, can I borrow money to buy a storefront? What conditions and information do you need for a store loan? Let me give you a brief introduction. Can rn get a loan to buy a store? Rn can get a loan to buy a shop. But the store is commercial, and the current policy is that the maximum loan for commercial housing can only be 50%, that is, the down payment needs 50%. For example, if the store price is 6,543,800+0,000, then a down payment of 500,000 and a loan of 500,000 are required. Conditions for the loan applicant of rn store: rn① has legal and valid residence status; Rn 2 has a contract or agreement to buy a store; Rn 3 has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan on time; Rn 4 down payment is not less than 50% of the total price of the purchased store; Rn⑤ agrees to use the purchased shops as collateral or assets recognized by the loan bank as collateral or pledge, or use units or individuals with guarantee qualifications and sufficient compensation capacity as guarantors to repay the principal and interest of the loan and bear joint and several liabilities. Term of loan for shops in rn: Generally, the longest term of mortgage loan for shops in rn is 10 year. Rn stores loan application information rn① borrower's ID card (household registration book) or other valid residence documents, and married people must also submit personal marital status certificate; Rn② The loan applicant fills in the Commercial Housing Loan Application (Approval) Form; Rn 3 down payment voucher; Rn 4 contracts or agreements for purchasing shops; Rn⑤ proof of the borrower's family property and income; Rn⑥ the identity certificate of the borrower; Rn⑦ Other information required by the bank. What is the loan process of rn store? rn 1。 Sign a sales contract with the landlord; Rn2。 Find an evaluation company to evaluate the property; Rn3。 Go to the bank to pay the down payment and apply for a loan; Rn4。 The bank approves the loan; Rn5。 After the approval, the buyer and the seller go to the exchange to handle the transfer of the real estate license; Rn6。 The bank lends money to the seller. Rn editor's summary: after reading the above introduction, I believe everyone has a further understanding of whether it is feasible to buy a storefront house with a loan. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

This concludes the introduction of store mortgage loan and store mortgage loan. I wonder if you have found the information you need?