It's not worthwhile to save money now. If you want to buy a house, you need a loan. As we know, shop loan is actually shop mortgage loan, which is a kind of housing loan. Refers to the purchase of shops by borrowing from banks to repay the principal and interest in installments, usually with the purchased shops as collateral. The bank has a strict review of this kind of loan, so can I get a loan when I buy a second-hand shop? What should I pay attention to?

It's not worthwhile to save money now. If you want to buy a house, you need a loan. As we know, shop loan is actually shop mortgage loan, which is a kind of housing loan. Refers to the purchase of shops by borrowing from banks to repay the principal and interest in installments, usually with the purchased shops as collateral. The bank has a strict review of this kind of loan, so can I get a loan when I buy a second-hand shop? What should I pay attention to?

_ 1. First of all, it should be noted that shop loans are actually commercial real estate loans, not personal housing loans, so provident fund loans cannot be used. The purchase of shops can be commercial loans, that is, loans can be made to loan companies. If they have good conditions and can stand the long waiting time, it is recommended to go to the bank for a loan to buy a facade.

2. In addition, when applying for a bank loan from a store, you need a series of certificates such as the borrower's identity certificate, income certificate, store purchase certificate and mortgage certificate. And you need to meet other conditions put forward 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 loan period of a shop can be 10 years.

3. It is understood that the purchase of shops can apply for bank loans, but the following conditions must be met: the borrower has full capacity for civil conduct and can provide valid identity documents; Having the ability to repay the loan principal and interest; Personal credit record is good; There is a commercial housing sales contract or agreement; Have a certain percentage of down payment; Other requirements of the Bank.

Matters needing attention in buying second-hand market houses

1, the appearance room, we should pay attention to choose a good location, good market or promising appearance room. Mainly depends on whether the street where the facade house is located is originally a bustling street or a street with a large flow of people; Whether the geographical location and surrounding environment are conducive to attracting investment and conducting business; Whether the new street has a development prospect.

Generally speaking, it used to be a street with prosperous business, high degree and large flow of people. In addition, there are many enterprises and institutions around, convenient transportation, parking lots and other favorable factors, so this facade room is of high value and less risk.

3. Forecast the development trend of some newly-built streets through investigation and analysis. If the development prospect of Xinjie is good, you can buy it when its facade price is low. When the new street becomes prosperous, it can be rented at a higher rental price or transferred at a higher price.

The above article is about buying second-hand shops. Can I get a loan? What should I pay attention to? I hope I can bring you some help. I believe that after buyers know this knowledge, they will know fairly well when buying second-hand shops in the future. In addition, when buying, we should also pay attention to whether the second-hand shops are in a rental state.

What is the minimum down payment for buying a shop loan?

Store down payment 50%. The term of mortgage loan for individual shops provided by banks shall not exceed 10 years at the longest. But some commercial project developers can help you pay a part, such as 30% down payment, and then another 20% developers can help you pay first, as long as you pay back the money within the specified time.

If you buy a first-hand shop, you can borrow up to 50% of the contract price; If it is a second-hand shop, you can borrow up to 50% of the evaluation price. This evaluation price is not necessarily the amount of your actual transaction, but depends on the amount of the loan you need and your ability to bear the relevant taxes.

Shops are real estate specially used for business activities, and are places where operators provide commodity transactions, services and experiences to consumers. Broadly speaking, the concept of shops includes not only retail business, but also real estate used for entertainment, catering and tourism, profitable exhibition halls, stadiums, bathrooms, and commercial business trading places with physical buildings such as banks and securities.

Source: Baidu Encyclopedia Store

How much is the down payment for the store loan?

Most people know that saving money is becoming more and more uneconomical, so many people like to invest their money in shops. At this time, it is necessary to know in advance how much the down payment of its shop loan is. The following small series will introduce you to the down payment of the store loan.

How much is the down payment for the store loan?

1. Generally speaking, the down payment for buying a store is 50%. As for the term of personal store mortgage loan provided by banks, it shall not exceed 10 year.

2. For example, if you buy a first-hand shop, then most of the loanable contract prices are 50%; If it is a second-hand shop, you can borrow more than 50% of the evaluation price. You know, the evaluation price generally does not depend on your actual sales. Generally speaking, it is also determined by the loan amount and the affordability of related taxes and fees.

3. If you are still a student, you can apply for a "start-up loan" on the basis of normal loans, which can be interest-free for one year, and you may apply for more loans.

4. If it is handled according to the commercial loan interest rate, the personal housing loan interest rate will be relatively higher. Need to pay: buyer's deed tax = 3% of the sales price; In addition, the handling fee = 0.5% of the sales price; Stamp duty = 0.05% of the sales price.

Can I buy a shop by mortgage?

1 first of all, it should be clear that it belongs to the category of commercial real estate loans, such as shop loans, so it is not a personal housing loan, so you can't use provident fund loans when handling it. You can apply for a commercial loan if you buy a shop. You can get a loan from a loan company. If you feel that your conditions are good and you are not in a hurry, you can apply for a bank loan to buy a shop.

2. When you apply for a bank loan from the store, you should prepare the materials. First of all, you should prepare the borrower's identity certificate, income certificate, store purchase certificate, mortgage certificate and other materials. Only after these materials are complete can you apply to the bank. You should know that the borrower also needs to provide a down payment certificate of more than 50% of the house price of the purchased store.

As long as you can repay the loan and your credit is good, generally speaking, the bank will submit an application to the bank to handle your loan process.

Summary: That's all for the down payment of store loans. There are several types of down payment for shop loans, which must be clearly understood before handling. I hope the above introduction will be helpful to everyone.

Can shops buy with loans?

Shops can borrow money to buy. Shop loan is a kind of commercial real estate loan, not personal housing loan, so you can't use provident fund loan. If you buy a business loan shop, you can borrow money from a loan company.

First, the mortgage loan for shops is a kind of housing loan, which refers to the purchase of shops with loans from banks in the form of repayment of principal and interest by installments, usually with the shops purchased by themselves as collateral. Shops can borrow 10 years, because it is a sex property, so there is no difference between the first set and the second set.

Second, the mortgage loan for shops refers to the short-term loan business provided by the bank to meet its production, operation or consumption needs, with the commercial premises legally owned by the borrower or the commercial premises legally owned by a third party as the mortgage guarantee. First-hand shops can borrow money, unless there is something wrong with your credit qualification, and second-hand shops have to negotiate with buyers and sellers.

If it is a first-hand shop, you can borrow 50% of the contract price; If it is a second-hand shop, you can borrow 50% of the estimated price, which is not necessarily your actual transaction price. You can "operate" according to the loan amount you need and your ability to bear taxes and fees.

The loan conditions are relaxed, as long as people have permanent residence or valid residence status in this city, have signed a contract or agreement with the developer to purchase commercial housing, and have the ability to repay the principal and interest, they can apply. Flexible repayment methods are like individual housing loans, and the repayment methods of shop loans are also flexible.

If the loan term of the borrower is within 1 year (including 1 year), the borrower can pay off the loan principal and interest in one lump sum or repay the loan monthly. If the loan term is 1- 10 years (inclusive), the borrower shall repay the loan on a monthly basis. There are two repayment methods for monthly repayment: decreasing average capital interest method or monthly repayment method. Moreover, the lender can also choose to prepay in whole or in part according to the operating income.

Third, what are the loan conditions for shops?

1. The borrower has full capacity for civil conduct and can provide valid identity documents; 2, only meet the needs of its production, operation or consumption; 3. Have the ability to repay the loan principal and interest; 4. The maximum service life of the store mortgage loan shall not exceed 10 year; 5. Personal credit record is good; 6. The loan amount shall not exceed 50% of the appraised value of the collateral of the store; 7. There is a commercial housing sales contract or agreement; 8. Good personal credit, stable and reliable sources of income and repayment ability when due; 9. Have a certain percentage of down payment; 10, there is a 50% fluctuation space between the low and high loan interest rates of banks; 1 1. Other requirements of the bank.

Fourth, at present, the mortgage loan for individual shops provided by commercial banks can reach up to 60%, and the loan period cannot exceed 10 years. According to the current commercial loan interest rate, it is a little more favorable than individual housing loans. In addition, because the shop is sexual, there is no distinction between the first suite and the second suite, which means that even if the shop you buy is the first suite under your name, it will be implemented according to this standard. This is also the reason why shops can't get loans. What are the terms of the shop loan? Shop loans belong to a category 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.

What should I pay attention to when buying second-hand shops? What is the transaction process?

Problems to pay attention to when buying second-hand shops:

1, field assessment

Before buying a shop, you must make an on-the-spot investigation and careful evaluation to determine whether the shop is worth buying. For example, the flow of people is not large, the conversion rate of people is not high, the purchasing power is not strong, and so on; When investigating the value of the upper berth, it is best to calculate the rental rate of return and ask the rent of the upper berth around. If the vacancy period is one month per year, the rental return rate is 1 1 multiplied by the monthly rent divided by the total price.

In order to evaluate the store value more accurately, if necessary, it is recommended to hire a professional store evaluation company to conduct on-the-spot evaluation, and then decide whether to invest according to the risk assessment report issued by it.

2. Future planning

The value of shops will be influenced by the surrounding environment and business planning. If the region has other plans in the future and you don't know them, it will affect the success or failure of investment decisions. Therefore, be sure to go to the planning department to learn more about whether there is a new plan for the location of the store, or ask the tenant.

3. Property right nature of the store

Mainly the land use of shops should be clarified to avoid illegal "housing reform". For some "housing reform" that have not been approved through formal channels (such as private "housing reform"), they may face the risk of being cancelled in the future, and may not be able to apply for a business license or have business qualifications. Therefore, we must work out the way of compensation for breach of contract in the purchase contract.

4. Shop leasing

How long is the tenant's lease? How to deal with interior decoration? Have you signed a letter of commitment to waive the preemptive right? Wait a minute, these have to be adjusted before buying and selling.

5. Prepayment of taxes and fees.

Taxes and fees are a large part of second-hand shop transactions: value-added tax, deed tax, personal income tax, stamp duty, land value-added tax (this is best asked clearly! ), you always have to pay hundreds of thousands. If you don't figure this out, you are the big head. If the taxes and fees are too much, they can be cut from the total price or agreed in the contract, and these taxes and fees shall be borne by the original owner.

6, the loan problem

The loan ratio of shops is at most 50%, and the longest is 10 year. Considering that the bank's evaluation price is generally lower than the actual transaction price, and the final loan is less than 50% of the transaction price, you must ask in advance and prepare enough down payment.

7. Property rights

The property rights of the shops you buy must be clear, and it is best not to buy shops with property rights problems. Therefore, before buying, you must check the ownership certificate of property right certificate, land certificate, mortgage or pledge status, etc. And don't listen to your master.

8. The structure of the store itself

Not all shops in good lots can be used reasonably, so the structure of shops is very important at the same price. The main factors considered are: the ratio of width to depth, the internal layout structure and utilization rate of the house, the height, bearing capacity and floor of the house. Only when these hardware are qualified, can customers be guaranteed to meet the use standards of themselves or the leased objects in use or in future leases.

9, supporting

Good matching can save a lot of cost and energy for merchants and customers. Such as water, electricity and capacitors, gas, weak electricity facilities, sewage and petroleum facilities. Be sure to check before buying, otherwise the difficulty and cost of renovation will directly restrict the effect of self-management or rental in the later period.

The transaction process is as follows:

1. Qualification verification of house purchase (residence).

2. Sign the contract online.

3. The local tax department approves the deed tax.

4. The house issuing hall handles the house ownership certificate.

Extended data:

A shop sales contract is a contract about the rights and obligations in the process of shop sales. Shop buying and selling is the transfer of shop ownership, that is, property rights. Generally, the buyers of shops have property certificates of shops, and the property rights of shops have been 40 years. The owner of the shop has the rights and interests such as the right to dispose of the shop and the right to income.

Reference link:

Baidu encyclopedia-store sales contract

Tangshan second-hand shops can't get loans.

You can buy a second-hand shop with a loan.

Second-hand shops can apply for mortgage, but because the shops are commercial in nature, the loan period can only be 10 year, and the loan amount can only be 50%. The loan amount of the second-hand house is 50% of the appraised price. For example, the transaction price between you and the landlord is 6.5438+0.2 million, but the bank valuation is 6.5438+0.2 million. Then 50% of your loan is based on the appraisal price, and your down payment is 654.38+0.2 million minus 500,000 equals 700,000. This 700 thousand is your down payment. The information required for handling the loan is as follows. ID card, household registration book, marriage certificate, income certificate (business license provided by legal person), bank account, married couple information.

So much for the introduction of buying second-hand shops with loans.