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Can a shop bought in full be mortgaged?
Shops purchased in full can be mortgaged, and the basic conditions of mortgage loan for shops are: they must have the ownership of the shops, and the shops they operate cannot be rented, and the maximum loan amount generally does not exceed 50% of the assessed value. The bank will comprehensively determine the maximum loan amount according to the face value, market value and location of the store; The loan term and house age shall not exceed 30 years.

What should I pay attention to when buying a shop?

1. Pay attention to the shared area. Under normal circumstances, the pool area of shops accounts for 30-40% of the construction area, and some even exceed 50%. For buyers, the unit price of shops is higher than that of residential properties. Even if the error is allowed, it may bring tens of thousands of yuan of price changes and disrupt the budget of buyers. In order to avoid this situation, it is suggested that buyers choose to buy according to the use area, and clearly stipulate the size of the pool area and the ownership of property rights in the contract to determine the planning and design of public parts. Only by strict and detailed agreement in advance can we successfully defend our rights in the above situation.

2. Pay attention to the leaseback commitment. Leaseback is a promotion method used by shop developers. It means that after the buyers pay the house price, they will give the property to the developer for rent within a few years, and the owners can get a fixed return on rent. On the surface, leaseback has brought stable profits to buyers, but this is not the case. In addition to the delay in the delivery of the house, it is difficult to realize the leaseback return. A considerable number of developers have adopted the way of non-written commitment, which is only written in advertisements or verbally promised by sales personnel, but there is no corresponding agreement in the purchase contract.

Please note that the domestic and export stores have not merged. Store sales are different inside and outside. People should ask about the nature of the property before buying a shop, otherwise you won't get the property certificate.