1, yes, but if the mortgage procedures of the four major banks (Bank of China, Industrial and Commercial Bank of China, China Construction Bank and Agricultural Bank) are more troublesome. I suggest you consult other banks (Huaxia, Minsheng, China Merchants, CITIC or foreign banks, such as Bank of East Asia and Standard Chartered Bank) or seek financing from guarantee companies.

If you are in Beijing, I suggest you find XX Company, which cooperates with many banks. (You can talk privately)

House (market value 900,000), you have to make a report through an appraisal company approved by the bank. You can only borrow 70% at most according to the highest value of appraisal. Assuming that it is 90 * 0.7 = 630,000+200,000 = 830,000, it is difficult for you to buy this store.

3. There is a trick: you sell this house to your relatives or your lover, but don't say that you are married or your relationship with the buyer, because you can write the selling price higher, such as 654.38+0.30 million, 30% down payment (390,000) and 9,654.38+0.00 million loan, which proves that the buyer's income is higher than 654.38+0.655 per month. So you can buy this store. Mortgage in your original way is really complicated and slow, which may not be possible. You have to pay bank interest for mortgage, and you have to pay mortgage interest for selling your own house, which means the same thing. Most importantly, you can share the interest and use your house "residence" as much as possible to apply for the first loan. The interest is relatively low, at least much lower than the interest on the loan you bought for business. )

4, 68 square meters of shops, the price is expected to be around 2 million. You need to pay 50% down payment, 6,543.8+100,000 down payment, and the remaining 6,543.8+100,000 ten years to pay off. I suggest you keep some cash, and you can pay the interest of the shop+house flexibly in the first 3-6 months. If it is divided into ten years, how much do you actually need to repay each month? If your income can bear the "average capital", it is recommended to repay the principal and interest in this way. Generally, if you don't tell the bank, they won't tell you on their own initiative.

5. "Equal principal and interest" is the interest paid at the beginning, and the principal is very small.

6. If "average capital" and "equal principal and interest" are calculated in 65,438+0,000,65,438+00 years, the interest difference after 65,438+00 years is 65,438+0,000,000.

7. There is a formula for calculating interest when buying and selling second-hand houses online. I suggest you find out how much you have to pay back.

8. If you don't know, consult several banks directly, and they will help you calculate.

The above is for reference only ~ ~