1. Is it against the Civil Service Law for civil servants to take out mortgages to buy shops for rent?

According to the provisions of the Civil Servant Law, civil servants are not allowed to engage in profit-making activities, so they are not allowed to have stores. Article 53 of the Civil Servant Law stipulates that civil servants shall not engage in or participate in for-profit activities, or hold concurrent positions in enterprises or other for-profit organizations. For a shop purchased in the name of a civil servant, it will be presumed that he is engaged in business activities even if he does not actually operate it.

2. The shop lease contract can be used for loans

As long as the business license, ID card, and credit report are provided

3. The shop lease contract can be used for loans

Shop Lease Contract 2006 Version Party A (lessor): Party B (lessee): Through friendly negotiation, Party A and Party B reached the following agreement on shop leasing matters: Article 1 Party B voluntarily rents Party A’s shop located at ____________________________ street number It is used for commercial purposes (hereinafter referred to as "the shop") with a construction area of ??approximately square meters. Article 2 The lease term is one year, and the lease period is from year month day to year month _ day. Article 3 Rent, security deposit and rent payment period: The total monthly rent of the store: the total monthly rent in the first year is RMB: Ten thousand, one hundred ____ ten yuan (￥ yuan/month); the monthly rent in the second year is RMB : Ten Thousand Thousand___ Hundred Ten Yuan Zheng (￥ Yuan/month), the monthly rent in the third year is RMB: Ten Thousand Thousand___ Hundred Shi Yuan Zheng (￥ Yuan/month). The above rent does not include tax. If the relevant departments inspect and need to go through the leasing procedures, all taxes and fees payable shall be paid by Party B (i.e., the taxes and fees invoiced), but Party A needs to assist Party B in handling relevant procedures. Rent payment deadline: Pay the rent for the current month before the 10th of each month. (And it must be in cash in RMB) 4. Security deposit: On the date of signing this contract, Party B must deliver to Party A RMB: ￥0,000___hundred yuan (￥yuan) as a performance deposit. Article 4 Party B is responsible for paying the water and electricity bills, property management fees, cable TV antenna usage fees and other related expenses incurred after the store is handed over for use and has nothing to do with Party A. If Party A is charged late fees or fines by relevant departments (companies) due to failure to pay these fees, Party A has the right to deduct them from the security deposit paid by Party B and has the right to require Party B to make up for the deficiency in the security deposit. Article 5 During the lease period, Party B is not allowed to sublet the shop. If Party B really needs to sublet, Party A must negotiate and agree. If Party B sublets the house to another person without the consent of Party A, Party A has the right to unilaterally terminate the contract and take back the house to rent to another person. The deposit paid by Party B (that is, as liquidated damages) will not be returned. When the lease expires, Party B has the priority to renew the lease under the same conditions. If either Party A and Party B need to terminate this contract in advance, they must notify the other party one month in advance, and the defaulting party must pay two months' rent to the other party as liquidated damages. Article 6 Responsibilities of both parties: (1) Party A’s responsibilities: 1. Party A must deliver the shop to Party B for use on the year, month and day. 2. Party A guarantees that the water, electricity, drainage and sewage lines will be smooth when the store is delivered for use. 3. When the contract expires, Party B must return the house on the expiration date of the lease. At the same time, Party B must return the security deposit paid by Party B within ten days after Party A inspects and accepts that the shop has no equipment damage and no unpaid water, electricity and property management fees. (2) Party B’s responsibilities: 1. Party B shall pay the rent on time. 2. During the lease period, Party B shall pay the water, electricity and property management fees incurred during the lease period on time. 3. During the lease period, Party B shall consciously abide by relevant laws, regulations and property management regulations, care for and correctly use the shop and internal facilities, and shall not change the structure and purpose of the shop without authorization. If Party B violates relevant regulations or conducts activities beyond its business scope, Party B will be responsible for all consequences arising therefrom. Party A may terminate this contract for this reason without returning the deposit received, and has the right to recover compensation for all losses incurred thereby. 4. In order to ensure the safety of electricity use, Party B is not allowed to connect wires indiscriminately and is not allowed to use high-power electrical appliances such as electric stoves (the power of a single appliance is more than 1500 watts, except for air conditioners and refrigerators); if it is necessary to use it, it must report to the power supply department for additional power. The electricity load can only be used after approval and payment of the capacity increase fee. 5. Party B is not allowed to decorate the shop without authorization; if decoration is required, Party A’s consent is required, and the structure of the shop is not allowed to be changed.

Article 7 Liability for breach of contract: (1) Party A’s liability: 1. If Party A fails to comply with the provisions of the first point of Article 6, paragraph 1, of this contract, the deadline for Party B to pay the deposit shall be extended; if Party A still fails to pay the deposit after fifteen days, If the shop is delivered for use, Party B has the right to declare this contract invalid, and Party A must return Party B's deposit unconditionally. 2. If Party A fails to comply with the third point of the first paragraph of Article 6 of this contract, Party B has the right to charge Party A a late payment fee calculated at 3‰ of the deposit every day. (2) Party B’s responsibilities: 1. If Party B defaults on rent, it will pay a late fee of 3‰ of the rent payable every day; if Party B defaults on rent for one month, Party A has the right to unilaterally terminate the contract and take back the shop, and has the right to refuse to return the rent. Security deposit. 2. For any damage or malfunction of the rented shops and supporting facilities caused by unnatural factors, Party B shall be solely responsible for the repairs before checking out. Otherwise, Party A will use Party B's security deposit as repair costs. After the repair project is completed, the security deposit will be refunded. Supplement less. 3. If Party B violates the third, fourth and fifth points of paragraph 2 of Article 6 of this contract, Party B shall be fully liable for all consequences and losses caused. Article 9 This contract shall be signed and sealed by both parties and shall take effect on the date Party B pays the deposit. If there are any outstanding matters, Party A and Party B shall resolve them through friendly negotiation. Article 10 This contract is made in two copies, with Party A and Party B each holding one copy, which has the same legal effect. Party A (seal): Party B (seal): Representative (signature): Representative (signature) Contact number: Contact number:

IV. Can the lease contract be loaned

Legal Analysis: Generally, you cannot use a lease contract to apply for a loan. The loan needs to have a specific purpose, proof of income, etc. The lease contract is not very important. It cannot prove the repayment ability, the financial situation, or even the amount of rent paid. Normally, a loan is not allowed. Leasing is an economic act of borrowing something in kind for a certain fee. In this economic behavior, the lessor hands over an item he owns to the lessee, and the lessee obtains the right to use the item for a period of time, but the ownership of the item remains in the hands of the lessor.

Legal basis: Article 754 of the "People's Republic of China and Civil Code" If any of the following circumstances occurs, the lessor or lessee may terminate the financial lease contract: (1) The lessor The sales contract concluded with the seller is terminated, confirmed to be invalid or revoked, and a new sales contract cannot be concluded; (2) The leased object is damaged or lost due to reasons not attributable to the parties, and it is impossible to repair or determine a replacement; ( 3) The purpose of the financial lease contract cannot be realized due to the seller's reasons.