1. Investment: If you have certain investment experience and vision, you can consider investing through stocks, funds and other channels in order to obtain higher returns. When the income reaches a certain level, you can consider converting the funds into the down payment of shops, and then buying shops through bank loans. This method needs to have certain investment knowledge and risk awareness, and pay attention to the balance between investment risk and return.

2. Loan: If the cash is not enough, you can buy a shop by bank loan. Usually you need to pay a certain down payment, which is about 20% to 30% of the house price, which means you need to prepare a down payment of 400,000 to 600,000. Then borrow 6,543.8+0.6 million yuan from the bank to 6,543.8+0.8 million yuan, and repay according to the actual value of the store. This method requires a stable income and credit record, and attention should be paid to the matching of loan amount and repayment ability.