We all know the basic conditions for applying for mortgage loans for shops: first, we must have the ownership of shops, and the shops we operate cannot be rented, and the maximum loan amount generally does not exceed 50% of the assessed value. Banks will comprehensively determine the maximum loan amount according to factors such as the face value, market value and location of shops; Second, the loan period and the age of the house should not exceed 30 years. What conditions does that person need to meet?
Conditions that an applicant for a shop mortgage loan should meet:
1, a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. Have permanent residence or valid residence status in Beijing;
3 has a stable income, good credit and the ability to repay the principal and interest of the loan on schedule;
4. Personal credit record is good, and there is no record of malicious breach of contract;
5. The mortgagor has the ownership of the house and has obtained the right to use the state-owned land according to law, and the property has the conditions to enter the secondary real estate market with clear property rights;
6. The borrower shall provide effective guarantee recognized by the lender;
7. Other conditions stipulated by the lender.
What conditions do shops need for mortgage loans?
The procedures of mortgage loans for shops are basically the same as those for other commercial housing; 1. Housing mortgage application conditions: the nature of the house; Houses, office buildings, villas, commercial houses, houses, affordable housing (strict requirements for affordable housing), and clear property rights within 20 years. The mortgagor (normal age 18-65 years old) is in good health. The mortgagor's credit investigation in recent 24 months shall not be involved. 6. The mortgagor can prove the source of repayment and other assets (large certificates of deposit, two houses, stocks, funds, etc.). ). Actual payment. 2. Preparation materials: Original and photocopy of ID card and household registration book of the borrower and spouse (if single, single certificate is required). Proof and copy of the borrower's marital status. Proof and photocopy of family property and car ownership, other assets proof materials (original and photocopy of house ownership certificate, land use certificate and deed certificate), statements of major bank accounts of individuals in recent 6 to 12 months (stamped with banking seal), proof materials such as work unit income certificate and family private loan, and evaluation report \ 3. Housing mortgage loan process: submitting materials, signing bank documents, housing evaluation, bank approval, bank lending and mortgage.
Can I get a loan to buy a shop?
You can borrow money to buy a shop, and you can use a mortgage loan.
Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets, and contract for purchasing commercial housing.
Housing mortgage bank loan procedures:
1. Need to open a current deposit account with a banking institution;
2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank;
3. The bank business manager or appointed lawyer shall conduct home visits to investigate the authenticity, legality and completeness of the information provided;
4. After the approval of the bank, notify the approval result and sign the loan contract;
5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;
6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract;
7. Please repay the principal and interest according to the loan contract. Shops can borrow money, but they can only buy five floors, and they have to pay a down payment for five floors. However, it is not bad to have money to buy a shop that can buy five floors. In the real estate industry, there is a saying that one generation of shops enriches three generations, which means that you can buy a shop yourself now, and then your grandson will make a fortune from this shop in the future. First of all, 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. The purchase of shops can be commercial loans, and loans can be made to loan companies. If you have good conditions and can endure a long waiting time, it is recommended 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. At the same time, after submitting the application materials correctly, the borrower also needs to provide a down payment certificate of more than 50% of the house price of the purchased store. The longest loan for shops can be 10 years.
As long as the loan can be repaid and the repayment ability is good, you can submit an application to the bank according to the normal loan process.
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!
Let's stop here for the introduction of what conditions are needed for store loans.