2. The store pays 50% down payment. The mortgage loan of a bank to an individual store cannot exceed 10 years at most. But the developers of some commercial projects can help you repay a loan, such as 30% down payment and the remaining 20%. You just need to repay it on time. If you buy a shop, you can borrow up to 50%; If it is a second-hand shop, you can borrow 50% of the price, but the evaluation value is not your real value, but based on your loan amount and your tax tolerance. The facade room is not within the scope of the second suite. If you apply for a loan, the interest rate is the commercial loan interest rate.
3. Purchase process: The process of buying a store is similar to that of buying a commercial house, including paying a deposit, signing a contract, preparing mortgage information, visa exemption, mortgage, online signing, tax payment, mortgage, mortgage insurance, house delivery, payment, property ownership certificate, property maintenance fund, and then the store can be rented, operated and renovated. There are no restrictions on buying shops. There is no problem with the first set and the second set. You can buy an extra set of shops. At present, the housing market is restricted by the state, so there are so-called first and second sets of problems. The first set encourages purchases, with deed tax concession (1~ 1.5% minus 50%) and small area (less than 90 square meters) concession (1%). The second set of purchase restrictions, no deed tax concessions (3%). The third set is forbidden to buy.
The above is about the second home loan policy, including the facade house, as well as the facade purchase process and shop loans and other related knowledge. I hope this article can help you.