What is the down payment and loan interest rate of the store?

The down payment of the store is 5%. The term of mortgage loan for individual shops provided by banks cannot exceed 1 years at the longest. However, some commercial project developers can help you with a part of the down payment, such as 3%, and then another 2%. You can only pay back the money within the specified time. < P > If you buy a first-hand shop, you can borrow up to 5% of the contract price. If it is a second-hand shop, you can borrow at most 5% of the evaluation price. This evaluation price is not necessarily the actual amount of your transaction, but depends on the amount of loan you need and your ability to bear the relevant taxes.

Shops are real estate specially used for business activities, and they are places where operators provide goods trading, services and experience for consumers. In a broad sense, the concept of shops includes not only retail business, but also real estate used by entertainment, catering and tourism, profitable exhibition halls, sports venues, bathrooms, and commercial business places with physical buildings such as banks and securities.

Source: Baidu Encyclopedia Store

Store Loan Interest Rate Calculator

The loan amount is 144, yuan, with a three-year term and an interest rate of 5.94% and a five-year interest rate of 6.336%. The monthly payment of equal principal and interest is 4376.85 yuan, the total interest is 13566.43 yuan, and the total repayment amount is 157566.43 yuan. The monthly payment in average capital is 4712.8 yuan, the total interest is 13186.8 yuan, and the total repayment amount is 157186.8 yuan.

Store loans can only be applied for commercial loans, so store loans can't enjoy the preferential treatment of provident fund loans. Generally, the interest rate of store loans will rise by 1% on the benchmark loan interest rate. The benchmark interest rate for loans over five years is 4.9%, and the interest rate for store loans is 4.9% 1.1 = 5.35%.

There are three kinds of medium and long-term loans: one year to three years, including the annual interest rate of 6.15%, and the commercial loan interest rate of shops is 6.765%; Three to five years, including five years, the annual interest rate is 6.4%, and the commercial loan interest rate of shops is 7.4%; The annual interest rate for more than five years is 6.55%, and the commercial loan interest rate for shops is 7.25%.

What's the loan interest rate for the facade house?

Many people have set their eyes on the facade house, so it's ok to use it to start their own business. But the price of buying a shop is also very high, which many people can't afford, so everyone began to consider whether the facade room can be bought by loan. So, can I get a mortgage for buying a facade? What is the loan interest rate for the facade house? Let's take a look at it with Xiaobian.

1. What is the loan interest rate of the facade house

1. The loan interest rate of the facade house is 6% for one year, 6.14% for five years and 6.55% for ten years. The loan amount is about 6% to 7% of the total housing price.

2. Before mortgage loan, you need to know whether the housing loan is paid off, whether there is mortgage, and whether the real estate license and land certificate are complete. Real estate registration I need to go to the bank to apply for housing mortgage loan with my spouse's ID card, household registration book, marriage certificate and income certificate.

second, can I get a mortgage when I buy a facade?

1. The facade loan belongs to a commercial mortgage, not a personal housing loan, so I can't use a provident fund loan. However, commercial loans can be used to buy facades. As long as you have good conditions and can endure a long waiting time, you can consider going to the bank to borrow money to buy facades.

2. When applying for a facade loan, the borrower needs to provide proof of identity, proof of income and a series of materials such as mortgage. And submit the application materials correctly, and then provide proof of the down payment of more than 5% of the purchased facade money.

3. The borrower needs to have full capacity for civil conduct, provide valid identity documents and have the ability to repay the principal and interest. Personal credit information is good, with a certain proportion of down payment and other requirements of the bank.

Editor's summary: What's the loan interest rate for facade houses? And buying a facade can be mortgaged? I believe you all know something after reading the article. I hope the above content can bring you some help and suggestions. If you need more relevant information, please continue to pay attention to us.

that's enough for the introduction of how to calculate the loan interest rate of shops.