Many people have set their eyes on the facade room, and it is still possible to use it for their own business. However, the price of buying shops is also very high, and many people can't afford it, 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 with Bian Xiao.

1. What is the loan interest rate for the facade house?

1. The loan interest rate for facade houses is 6% for one year, 6. 14% for five years and 6.55% for ten years. The loan amount is about 60% to 70% of the total house price.

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

Second, can I mortgage the facade?

1. The facade loan is a commercial mortgage, not a personal housing loan, and it is impossible to use the provident fund loan. But commercial loans can be used to buy a facade. As long as you have good conditions and can stand the long waiting time, you can consider going to the bank for a loan to buy a facade.

2. When applying for a facade loan, the borrower needs to provide a series of materials such as identity certificate, income certificate and mortgage. And submit the application materials correctly, and then provide proof that the down payment of the purchased facade is more than 50%.

3. The borrower must 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 is the loan interest rate of the facade house? And buying a facade can be mortgaged? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.

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

Store down payment 50%. The maximum term of mortgage loan for individual shops provided by banks shall not exceed 10 year. 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

Interest on mortgage loan of shops

2%。 Shops mortgage refers to the act of mortgaging their own shops to the corresponding lending institutions or banks to obtain cash, and the loan-related interest is 2%. The simple and popular understanding of loan is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.

What is the mortgage interest rate of banks, shops and houses?

Property mortgage may be generally lower than that of shops. The loan interest rate of bank and shop mortgage is about 10% higher than the benchmark interest rate: 1.6 months (inclusive) the benchmark interest rate of loan is 4.35%, and the mortgage interest rate of shop is about 4.785%; The benchmark interest rate for loans from 2.6 months to 1 year (inclusive) is 4.35%, and the mortgage interest rate for shops is about 4.785%; 3. 1-3 years (inclusive) the benchmark loan interest rate is 4.75%, and the commercial loan interest rate of shops is about 5.225%; The benchmark interest rate for 4.3-5 years (inclusive) loans is 4.75%, and the interest rate for commercial loans mortgaged by shops is about 5.225%; The benchmark interest rate for loans over 5.5 years is 4.9%, and the mortgage interest rate for shops is about 5.35%.

1. At present, the bank's housing mortgage loan is divided into two ways: self-owned property and mortgaged property mortgage loan. The interest rates of the two kinds of loans are different, and the interest rate of mortgage loans for mortgaged properties is usually higher than that of self-owned properties.

2. The real interest rates implemented by different regions and different banks are also different. However, the actual interest rate is generally based on the benchmark interest rate, and it is carried out by floating a certain proportion, which is about 10%-50%.

How to effectively reduce the mortgage interest rate?

1, you need to choose the right way to spend money.

Yes, the mortgage interest rate has also changed with different loan channels. If the state supports loan channels, the mortgage interest rates of banks will be lower, and sometimes banks may have special loan policies, so borrowers must choose the appropriate loan channels according to their own conditions and bank policy preferences.

2. Grasp the favorable opportunity to apply for housing mortgage loan.

If you pay more attention to loans, you will find that some banks and private lending institutions often publish some low-interest activities. In fact, even with these activities, lending institutions are very profitable, but this is a very happy event for borrowers. If you need to apply for a mortgage loan, you can pay more attention to such activities, which can effectively reduce the loan interest rate. 3. control the amount of your loan.

Because the lender's loan principal is too high, the total interest is considerable. If everyone can effectively control the budget, then when applying for a mortgage loan, the loan amount can also be effectively controlled, so it is very simple to control the total interest.

4. Prepare mortgage documents without problems.

5. Choose a suitable lending institution with low interest rate.

Think about the shops mortgaged in Chengdu, how much can the mortgage loan amount be?

1. How much can a store mortgage loan in Chengdu borrow?

At present, the mortgage loan of shops in Chengdu can reach about 60% of the appraised price of shops, that is, the appraised price of shops is 6,543,800+0.6 million, so the mortgage amount is about 960,000. The level of store mortgage depends on the lender's credit history, income, collateral value, etc. Store loans can be loaned for up to 30 years. Friends who want to know the mortgage amount of their stores can call the customer service hotline for free consultation.

2. What is the mortgage interest rates of the shops in Chengdu?

The loan interest rate of shops in Chengdu is about 10% higher than the benchmark interest rate. The specific interest rates are as follows:

1, there are two short-term loans: the loan interest rate within six months including six months is 6.16%; The loan interest rate for more than six months and less than one year is 6.6%;

2. There are three types in the medium and long term: 1~3 years loan interest rate of 6.76%; The loan interest rate for 3-5 years is 7.04%; The loan interest rate for more than five years is 7.2 1%.

As can be seen from the above data, the shorter the loan time, the lower the interest rate, and the interest rate of the loan is higher than the benchmark interest rate, so you must plan your repayment time reasonably before lending.

3. What are the application conditions for mortgage loans of shops in Chengdu?

1. The borrower is between 18-60 years old and has full capacity for civil conduct;

2. Can provide valid identification and have a fixed residence;

3. Have the ownership of the mortgaged store;

4. Have a good credit record;

Can Chengdu mortgage house be mortgaged? How to borrow it?

Mortgage should be a common loan method around us, so how many people know about mortgage housing mortgage? Probably many people don't know that mortgaged houses can also be used to mortgage loans. In fact, mortgage houses can be used for emergencies in daily life except for a little less than normal mortgage loans.

5. Have a certain source of income and the ability to repay the principal and interest of the loan;

6. The mortgaged shops have clear property rights and can be listed and traded normally;

7. Other conditions required by the bank.

4. What information do you need for mortgage loans of shops in Chengdu?

1. Original and photocopy of ID card and household registration book of the lender and spouse;

2. Proof and copy of the lender's marital status;

3. Copies of family property, automobile ownership certificate and other assets;

4. Statements of personal main bank accounts in recent 6 to 12 months;

5, work unit income certificate;

6. Evaluation report;

7. Other materials required by the lending institution.

5. Where can I apply for a store mortgage loan in Chengdu?

Chengdu friends who want to easily apply for mortgage loans for shops can go to Zhongtuike for consultation. We are a formal loan company, and you are welcome to make a field trip. The business process in our company is simple, the approval speed is fast, and the loan time is short. Shops can easily get mortgage loans, and there are more loan benefits waiting for you to unlock them. Friends who need store mortgage loans can call the customer service hotline for free consultation.

How much can a second-hand house mortgage loan in Chengdu borrow?

Real estate mortgage loan is the first choice for many people to solve the problem of large amount of money. Compared with credit loans, the threshold of real estate mortgage loans is lower and the amount is higher. Everyone knows about real estate mortgage, so do you know that second-hand houses can also be mortgaged? In fact, second-hand housing mortgage is also a solution.