The process of applying for mortgage loan for shops
1. Open a current deposit account in the bank.
Fill in the application form and submit it to the bank.
3. The bank investigates the lender to see if the lender's information is true and legal.
4. Sign the loan contract through bank approval.
5. Go through other prescribed procedures.
Mortgage loan amount of shops
1, mortgage guarantee, and the loan amount shall not exceed 70% of the value of the collateral.
2. Pledge guarantee, the loan amount shall not exceed 90% of the value of the pledged property.
What problems should I pay attention to when buying a shop?
1. Property rights of the store. The property right of the shop must be clear, and it must be checked before buying, or the ownership certificate of the situation. Don't listen to your master.
2. The structure of the store itself. Not all shops in good lots can be used reasonably, so the structure of shops is very important at the same price. The main factors considered are: the ratio of width to depth, the internal layout structure and utilization rate of the house, the height, bearing capacity and floor of the house. Only when these hardware are qualified, can customers be guaranteed to meet the use standards of themselves or the leased objects in use or in future leases.
3. Supporting facilities. Good matching can save a lot of cost and energy for merchants and customers. Such as water, electricity and capacitors, gas, weak electricity facilities, sewage and petroleum facilities. Be sure to check clearly before buying, otherwise the difficulty and cost of transformation will directly restrict the effect of self-management or rental in the later period.
4. Choose a good location. Location is directly related to the price of the store. Buyers should consider their purchasing power. There is not much room for recent appreciation in places that are too biased, and prices in places that are too prosperous are relatively high. Comprehensive consideration should be given to the planning of site selection.