What should I pay attention to when buying second-hand shops?
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 income to buyers, but this is not the case: except for the delay in delivery, leaseback return is difficult to achieve, and a considerable number of developers have adopted the way of non-written commitment, which is only written into advertisements or verbally promised by sales staff, but there is no corresponding agreement in the purchase contract. In this case, if the developer does not return the lease, it is difficult for the buyers to ask him to honor his promise.
3. Pay attention to the loan risk. Personal store loans have the characteristics of low proportion and short life. The loan amount of shops will not exceed 60% of the contract price, and the loan period is only 10 year. In addition, the bank's review of the qualifications of shop lenders is also stricter than that of residential loans. Property buyers must be aware of the payment pressure they will face when they consider buying shops with loans.
Please note that 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.
What is the process of buying a shop?
The borrower fills in the loan application form and provides the necessary information. The lender will review the borrower's credit status and information. If the lender agrees to the loan, the borrower and the borrower sign a loan contract, and at the same time sign a mortgage contract, a pledge contract and a guarantee contract according to different loan guarantee methods. According to the national and local laws and regulations, as well as the provisions of the Construction Bank, handle the formalities of real estate insurance, mortgage registration or contract notarization; The lending bank issues loans according to the contract.