Office mortgage loans are generally 50% off the evaluation price.

2. Can I borrow money from the bank to buy an office building?

You can lend money to the bank to buy an office building. Real estate is not only residential, but also other types, such as office buildings, which also have a certain appreciation value, and office buildings will also be affected by lots. At present, China has launched "personal commercial housing loan", which is a loan issued by banks to natural persons to purchase various commercial real estate (mainly for buying shops, office buildings and commercial and residential dual-use houses). Commercial housing purchased by loans must conform to the local urban planning, the project is legal and compliant, and meet the local market demand.

However, office buildings are generally not allowed to provide loans due to the high mortgage amount and complicated review process and requirements. However, what can generally provide loans is a mortgage of 10 years, with a down payment of 50% and a mortgage interest rate of 1.5. In general, non-residential is 50% 10 year. The down payment process of office mortgage loan needs to sign a contract first. After the bank examines the application materials submitted by the borrower, the two parties sign a loan contract and a guarantee contract, and handle relevant notarization and mortgage registration procedures as appropriate.

3. Can personal loans be used for office loans?

The following conditions must be met

Application conditions:

1, nature of the house; Houses, office buildings, villas, commercial houses, houses and affordable housing (strict requirements for affordable housing) have clear property rights within 20 years.

2. Mortgagor or borrower (normal age is 25-55 years old) and in good health.

3. The mortgagor or borrower shall not participate in the credit investigation in the past 24 months.

4. The mortgagor or borrower can prove the source of repayment and other assets (large certificates of deposit, second house property, stocks, funds, etc.). ).

5, the actual use of funds is clear.

4. Can personal loans be used for office loans?

Yes, it's the same procedure as a normal mortgage. Loan process ◆ The borrower applies, submits relevant materials ◆ Real estate appraisal, pre-loan investigation and approval ◆ Approval is passed, mortgage registration formalities are handled ◆ Loan is issued, and the borrower regularly returns the loan principal and interest according to the contract ◆ Personal identity certificate, household registration book, proof of residence address and proof of marital status. ◆ identification.