Legal analysis: shops can borrow money. It should be noted that shop loans are a kind of commercial real estate loans, not personal housing loans, so provident fund loans cannot be used. Commercial loans can buy shops, you can find loans from loan companies. If you have good conditions and can endure a long waiting time, I recommend you to buy a shop with a bank loan. When applying for a loan from a store bank, you need the borrower's identity certificate, income certificate, store purchase certificate, mortgage certificate and other information as well as other conditions required by the bank. Legal basis: Article 25 of the General Principles of Loans: If a borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans; ; Three, the original unreasonable occupation of loans to correct the situation; ; 4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender. It is suggested to borrow money from the bank to buy a shop.

I want to buy a facade house, but I don't have enough money. Can I get a bank mortgage?

Shops can get loans. Generally, the down payment is 50%, the loan is 50%, the loan interest rate rises 10%, and the loan lasts for ten years.

The materials to be provided are:

Original and photocopy of ID card, original and photocopy of household registration book, original and photocopy of marriage certificate, bank statement and income certificate, sales contract and down payment receipt, etc. The transaction process of shops is similar to that of houses: they all sign contracts first, sign contracts to pay down payment and apply for loans, and at the same time go to the trading center to check taxes; After the loan is completed, you can go to the trading center for transfer; After the transfer, you can handle matters such as house delivery and loan when the property right certificate comes out.

3. Is there a loan pavement?

You can borrow money.

Basic rules:

1. Loan target: China citizens who have reached the age of 18 and have full capacity for civil conduct, and the sum of the borrower's age and the loan term is not more than 60 years old; .

2. Loan amount: The maximum credit amount is basically unlimited.

3. Loan term: The loan term is generally 1 to 3 years (inclusive);

4. Loan interest rate: subject to the provisions of bank loan interest rate;

5. Guarantee method: the guarantee is mortgage, pledge, guarantee, etc., and the guarantee provided solely by a third party is not accepted.

6. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest repayment, average capital repayment and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.

7. Application materials to be provided:

(1) ID card, household registration book or valid residence certificate, residence address certificate and marital status certificate of the borrower and spouse;

(2) Proof of the borrower's spouse's commitment to repayment;

(3) Production and business operation license, if it is a licensed operation, the original and photocopy of the business license of the relevant administrative department shall be provided; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement;

(4) Proof of loan use (such as house purchase contract, etc.). );

(5) the tax payment certificate of production and business activities;

(6) The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the amount of mortgaged (pledged) loans, and the written documents of some people agreeing to mortgage (pledged) the owner and property;

(7) Collateral appraisal report issued by the appraisal department recognized by the bank;

(eight) other information required by the bank.

Processing flow:

1. Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3. issue loans. For the loan approved by the bank, after all formalities are completed, the bank will transfer the loan to the personal settlement account designated by the borrower. 4. How much can a 1 10,000 store borrow?

70%, then 654.38+00,000 shops can borrow 700,000.

When applying for a bank loan, such as ID card, marriage certificate, household registration book, real estate license and income certificate. Then go to the bank to fill in the application form and wait for the bank to arrange the evaluation and approval, but the lending time of different banks is different.

widening of capital

Bank loan refers to a kind of loan that banks lend money to people who need it at a certain interest rate according to national policies and return it within the agreed time limit.

Bank loans generally need to provide guarantees, house mortgages, income certificates and good personal credit information before they can apply. In different countries and different development periods of a country, the types of loans classified according to various standards are also different.

Loan classification:

According to different classification standards, there are many types of bank loans. For example:

(1) According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

(2) According to the different repayment methods, it can be divided into

(3) According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans.

(4) According to the different loan guarantee conditions, it can be divided into bill discount loan and bill loan.

(5) According to different loan amounts, it can be divided into wholesale loans and retail loans;

(6) According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on. Short-term loans Short-term loans are loans (including 1 year). Short-term loans-capital requirements.

Short-term loans:

Short-term loans refer to loans with a term of 1 year. Short-term loans generally require funds.

The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once.

The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, and according to the nature, currency, use, method, term and risk of the loan, among which the foreign interest rate is determined. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans. The advantage of short-term loans is the comparison of interest rates. The disadvantage is that it cannot meet the long-term capital needs of enterprises. At the same time, because short-term loans use fixed interest rates, the interests of enterprises may be affected by interest rate fluctuations.