The facade house can be mortgaged. At the same time, due to the high value of facade houses, the available funds of mortgage borrowers with facade houses are still relatively high. However, not everyone can use the facade house as a mortgage loan, and certain conditions need to be met before they can use the facade house as a mortgage loan. Including:
1. The borrower has stable income and good credit;
2. There is a property certificate of the facade house;
3. The facade room is not very old, with a good geographical location and discounted value;
4. The facade house has a mortgage loan amount.
After meeting the above conditions and other conditions stipulated by local lending institutions, borrowers can apply for loans.
2. Who can tell me if the store can be mortgaged?
The facade house can be mortgaged. At the same time, due to the high value of facade houses, the available funds of mortgage borrowers with facade houses are still relatively high. However, not everyone can use the facade house as a mortgage loan, and certain conditions need to be met before they can use the facade house as a mortgage loan. Including: 1, the borrower has stable income and good credit; 2. There is a property certificate of the facade house; 3. The facade room is not very old, with a good geographical location and discounted value; 4. The facade house has a mortgage loan amount. After meeting the above conditions and other conditions stipulated by local lending institutions, borrowers can apply for loans. Loan (electronic IOU credit loan) is simply understood as borrowing 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. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. A form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
3. Can a store mortgage a loan?
Basic requirements for mortgage loans of shops:
1. Only meet the needs of production, operation, investment or consumption;
2. The maximum loan amount shall not exceed 50% of the assessed value of the store collateral;
3. The longest service life of the store mortgage loan shall not exceed 10 year;
4. Good credit, stable and reliable sources of income and repayment ability when due;
There is a 50% floating space between the lowest interest rate and the highest interest rate of each bank.
Conditions for applying for mortgage loans for shops:
1. Borrower 18-60 years old, with 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;
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. If the borrower meets the above loan conditions, he can apply for a loan from the bank with valid identity certificate, marriage certificate, real estate license, land use certificate of mortgage shop, evaluation report and income certificate.
4. Can anyone tell me if the store can be mortgaged?
As long as you have a real estate license, you can mortgage the loan.
Conditions for applying for real estate mortgage loan:
1, a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. Have a stable occupation and income, good credit and repayment ability;
3. Other conditions stipulated by the bank.
Materials required for applying for real estate mortgage loan: identity certificate, household registration book, marriage certificate, income certificate, real estate certificate, assessment report of mortgaged real estate, loan purpose certificate and other materials specified by the bank.
Loan proportion, term and interest rate of real estate mortgage loan: the loan amount is determined according to the different loan purposes selected, but generally it does not exceed 60% of the assessed net value of mortgaged real estate; The fixed number of years is generally not more than 20 years; The loan interest rate is subject to the provisions of the People's Bank of China on personal consumption loans.
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