A.this can be found online! Five Certificates: A real estate developer should have a construction land planning permit, a construction project planning permit, a building construction permit, a state-owned land use permit, and a commercial housing sales (pre-sale) permit for short. The first two certificates are issued by the Municipal Planning Commission, the construction permit is issued by the Municipal Construction Committee, and the state-owned land use certificate and commercial housing sales (pre-sale) permit are issued by the Municipal Bureau of Land Resources and Housing Management.

B. Commercial shops are commercial houses with commercial property rights. According to national regulations, the mortgage of commercial housing with commercial property rights is 50%.

C 1。 The borrower's valid identity card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

Please note:

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

4. Age limit of the borrower: male age+loan period shall not exceed 60 years, and female age+loan period shall not exceed 55 years;

5. Customers blacklisted in the credit information system cannot apply for loans;

The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.

It usually takes about 1 month to get a loan _

Process:

1. Apply for a loan from the bank,

2. After the acceptance of the bank, evaluate the value of the mortgaged property and approve the loan amount according to the evaluated value;

3. Open a personal current deposit account and sign a loan contract.

4. Apply for real estate mortgage registration;

5. Bank loans

D' buying a shop can be settled as well as buying a house. Except Beijing!

I hope I can help you!