The difference between shop loans and housing loans;

1, residential loans include commercial loans, and now residential loans are commercial loans and provident fund loans;

2. In terms of loan time, the store requires the house to be pre-sold or capped after the main body is completed and accepted;

3. The down payment ratio is 30% lower for houses and 50% lower for shops; Loan period: 0/0 year for the store and 30 years for the house;

4. In terms of loan interest rate, shops generally go up 10%, and houses generally go down15%; If the house is mortgaged, it can be mortgaged for decades: the loan period is 30% lower for the house and 50% lower for the shops, and then the rest is mortgaged in the bank. Store 65,438+00 years, house 30 years, loan interest rate.

Extended information ① Personal store mortgage refers to the short-term loan business provided by the bank to meet the borrower's production, operation, investment or consumption needs, with the business premises legally owned by himself or a third party as mortgage guarantee.

(2) Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans.

2. What's the difference between a shop loan and a housing loan?

1, residential loans include commercial loans, and now residential loans are commercial loans and provident fund loans.

2. In terms of loan time, the store requires the house to be pre-sold or capped after the main body is completed and accepted.

3. The down payment ratio is 30% lower for houses and 50% lower for shops. Loan life: the longest for shops is 10 year, and the longest for houses is 30 years.

4. In terms of loan interest rate, shops generally go up 10%, and houses generally go down 15%. You can mortgage your house for decades. The house is 30% lower, the loan period of the shop is 50% lower, and then the rest is mortgaged to the bank. The loan interest rate for shops is the longest 10 year, and the loan interest rate for houses is the longest 30 years.

3. Is the loan interest of the facade house the same as the housing?

There will be a difference between the loan interest of facade houses and the loan interest of housing. The facade can only handle commercial loans, and it is impossible to handle provident fund loans. Commercial loans are formed by adding the LPR of the corresponding term as the pricing benchmark, in which the LPR of more than five years is 4.6%, and the amount added is different from bank to bank.

And if you buy a house, you can apply for provident fund loans in addition to commercial loans. Provident fund loans are based on the benchmark interest rate of central bank loans. Among the benchmark interest rates announced by the People's Bank of China, the annual interest rate of provident fund loans for more than five years is 3.25%.

4. What's the difference between a shop loan and a housing loan?

The minimum down payment for shop loans is 50%, and the loan interest rate rises 15-30%. Moreover, you can make unlimited loans together. Unlimited purchase! The first home loan can be 30%, and the second home loan can be 60%! Three sets of loans are not allowed (unlimited purchase)