According to the purchase policy, the down payment ratio of facade houses is 50%. Moreover, the term of mortgage loan for facade houses provided by banks cannot exceed 10 years at the longest. If you buy a first-hand facade house, you can borrow up to 50% of the contract price, and if you buy a second-hand facade house, you can borrow up to 50% of the evaluation price. This evaluation price is not necessarily the actual transaction amount, but depends on the amount of loans needed and the affordability of related taxes.

What should I pay attention to when buying a facade room?

1. Choose an area where residents and population are concentrated: Probably, stores are suitable for streets with more people, especially business districts with more shopping malls and concentrated commercial facilities. Popular places are meaningful to store business and are more suitable for opening convenience stores, supermarkets, dry cleaners and other stores. If you buy the best local facade house, you will rent it more frequently.

2. Pay attention to the characteristics of the street where the store is located and the trend and classification of passenger flow: a street has its own different characteristics because of its different traffic profile, history and culture and its place. It is necessary to choose a street with no traffic jams. There are many cars and people. It's difficult to run a shop without opening it in a busy street.

3. Prevent the streets from traffic control. There is a parking place in front of the facade: the facade must choose a place with convenient transportation, not a place subject to traffic control, such as a place with limited types of vehicles, limited opening hours and one-way traffic. To choose a taxi parking lot or bus stop near the facade house, these places are the best.

4. Loans and other taxes and fees: The loan amount of facade houses is relatively low, the loan term is short and the loan interest rate is relatively high. It is very troublesome for banks to make loans for facade houses and examine the qualifications of loans. All buyers will not feel the pressure of high mortgage interest. You always have to pay the deed tax of 4% of the house price when you buy a facade house. In addition, various taxes need to be paid, including land value-added tax, business tax, stamp duty and personal income tax.

5. The planning trend of the government: When buying a facade house, we should think about the future planning of the government, so as to better grasp our wealth. Every story will be unexpected. The norms we pay attention to bring the best news, and we are also concerned about the adverse effects of planning on stores, such as the relocation of shopping malls and the expansion of roads, which have adverse effects on facade houses.

6. Clear property rights: Before buying a facade house, you should check the ownership of the property rights and read the documents about selling the facade house near the developer, including whether it is restricted by law and the mortgage situation nearby, so as to prevent future property rights disputes from being exposed and bringing losses to yourself.