/kloc-0 0 year

Second, how many years can I borrow commercial loans for buying shops?

There is a lot of money for mortgage next to the shop.

Applicant's conditions

(1) law

(two) there is a contract or agreement for the purchase of shops;

(3) Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on schedule;

0% down payment for buying a house;

⑤ Agree to use the purchased shops as collateral or provide assets recognized by the loan bank as collateral or guarantee the qualification and sufficient compensation energy, and bear joint liability to protect witnesses.

Extended data:

Application material

(1) The borrower's ID card (household registration book) or other valid proof of residence, and the married person also needs to submit personal proof of marital status;

(2) The loan applicant fills in the Filing (Approval) Form for Commercial Housing Loan Application;

3 down payment voucher;

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

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

6. The identity certificate of the borrower;

⑦ Other information required by the bank.

Commercial loans need to meet five conditions:

1, the original commercial housing loan settlement loan;

2. The repayment of the original commercial housing loan is over 1 year (inclusive), and there is no overdue loan.

3. The borrower must be the lender of the original commercial house.

4. The purchased property has obtained the real estate license;

5. The borrower has sufficient funds to settle the account; If the borrower does not have enough funds to settle the original commercial housing loan, it shall apply for a guarantee from the city's guarantee institutions with corresponding qualifications that meet the relevant provisions of the state and are recognized by the management center and the entrusted bank.

In addition, it must also comply with the national and autonomous region housing provident fund individual housing loan policy.