Shops must make a down payment of 50%, and the interest rate is 10%. The so-called 50% is calculated according to the value of the store you want to buy. Shop mortgage is different from ordinary house mortgage (subject to the property you want to mortgage, the loan amount is generally 65%-70% of real estate assessment value. The interest rate is 15%-30%). The longest period that a store can borrow is 10 year. 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 interest rate will rise at least 10%, depending on personal work income, personal bank credit information and local banking policies, ranging from 10% to 20%. In the case of floating 10%, the interest rate is 7.205% (the benchmark interest rate is 6.55%), in the case of floating 15%, in the case of floating 20%, the interest rate is 7.86%.
Second, can store loans last for 20 years?
Shops can't borrow for 20 years, and the longest loan time for shops can't exceed 10 year. The maximum credit line of a shop loan shall not exceed 60% of the net value of the real estate appraisal or 50% of the present value of the appraisal. The specific credit line of shop loans shall be subject to the relevant bank regulations.
The loan amount of the shop will not exceed 50% of the transaction price of the purchased commercial house. The credit line of the shop loan is determined according to the total purchase price of the buyer and the age and income of the buyer. The buyer's age plus the loan period cannot exceed 65 or 70 years old.
Shop loans are commercial real estate loans, not personal housing loans, and provident fund loans cannot be used. You can use commercial loans to buy stores, or you can borrow money from loan companies. Property buyers need to submit relevant materials to loan companies or banks before they can borrow money.
Property buyers need to submit identity certificate, income certificate, personal credit report, house sales contract, down payment certificate, shop purchase certificate, mortgage certificate and other materials to the bank or loan company, and also need to meet other requirements put forward by the bank or loan company.
As long as the user's personal credit is good and his income is good, it is very simple to apply for a store loan. However, the loan amount of shops is very small, and the maximum loan amount is half of the commercial mortgage amount.
3. What banks have given mortgage loans to shops for 20 years?
Shops with mortgage loans for 20 years include Everbright and Shanghai Pudong Development Bank.
At present, it is hengfeng bank that can truly repay the principal and interest for 20 years. Since August, it has not accepted this business, so it is a 20-year mortgage loan.
At present, Everbright only accepts 10 years, while Pufa's business is not big at present, and it is not possible now.
4. How many years can a facade loan last?
If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank. The information about the execution interest rate, amount, loan term and loan repayment method of your specific loan application needs to be determined after the handling bank specifically reviews your comprehensive information after you apply for a loan.
Please call 95555 to choose 3 people to serve -3-3-8 to enter the manual service to provide loan purposes and cities for detailed information.