Recently, many fans have asked me:

Can apartments and shops in Chengdu apply for mortgage loans?

In fact, as long as you have property rights, apartment shops can apply for mortgage loans. However, there are still some differences between apartment shop mortgage and residential mortgage.

Take a client I followed up last month for example ~

Mr. Zhou is engaged in clothing wholesale business and has a shop in Chengdu, with an area of140m2 and a value of about 3 million. Due to business needs, Mr. Zhou intends to mortgage this shop and borrow 2 million yuan.

Generally, the amount of loans given by banks to shops as collateral is only 50% of the valuation of shops. That is, 3 million shops can borrow 1.5 million through mortgage loans. Few banks can give a 60% quota to shops with good locations.

According to Mr. Zhou's situation, I matched him with a bank. Finally, 60% of the valuation was realized, that is, 654.38+0.8 million. The annual interest rate is 5.5%, with interest paid in advance for five years, at 5% per year.

From this case, it can be found that when applying for mortgage loans for commercial land such as apartments and shops, the amount and interest rate are not as advantageous as residential housing mortgage.

1, calculated according to the quota.

For apartments and shops with 40-year property rights, the mortgage loan amount is generally 50% of the collateral valuation.

2. Interest rate.

The loan interest rate of shops and apartments will rise a little on the basis of residential mortgage loans.

3. A few years.

The term of mortgage loans for apartments and shops is generally less than 5 years, and some banks can still achieve 10 years.

4. Application requirements

For mortgage loans for apartments and shops, banks generally require borrowers to have real operations.

Generally speaking, apartments and shops are not as popular as houses. It is mainly difficult to realize the realization of apartment shops and high taxes and fees.

There are not many banks in Tianjin that accept mortgage loans for apartments and shops, but there are also some good mortgage schemes.