The price of storefront houses is much higher than that of ordinary houses, which ordinary working families can't afford. So some people choose loans to buy storefront houses. So how many years can the store loan last? Let's take a look with Bian Xiao.
1. How many years can the store loan last?
The longest loan for a store can be 10 year, and the loan amount cannot exceed 50% of the store house price. The lender must repay the loan every month. The repayment methods include matching principal and interest and average capital, which the lender can choose according to its own economic conditions. Secondly, the lender can also choose to repay in full or in advance according to the operating conditions.
Second, how to handle the store loan?
1, select real estate
If you want to buy a store, you must first know whether this store can get a loan. For example, you can know through advertisements or sales staff to ensure that the store can borrow money before you can buy it.
2. Apply for a mortgage loan.
After confirming that the store can get a loan, the buyer applies for a loan from the designated bank, and asks the staff what materials are needed for the loan, and prepares the materials and relevant legal documents.
3. Sign a house purchase contract
After the loan bank receives the loan application, the bank will apply for the submitted materials. If it meets the loan conditions, it will send a notice and a letter of commitment to the lender, and both parties will sign the Pre-sale Sales Contract of Commercial Housing.
4. Sign a real estate mortgage contract
After signing the house purchase contract and obtaining the payment voucher, both parties should sign the house mortgage loan contract with the bank and the developer, paying special attention to the rights and obligations such as the loan amount and repayment method.
5. Apply for mortgage registration and insurance.
Lenders, loan banks and developers provide mortgage loan contracts and purchase contracts to the local real estate bureau for mortgage procedures.
6. Open a special repayment account
According to the contract, a special repayment account is opened in the financial institution designated by the bank, and a power of attorney is signed at the same time, so that the lender can repay the loan on time.
Editor's summary: The above is about how many years the store housing loan can be borrowed at most, hoping to bring help to our friends.
How much is the monthly loan of 500,000 yuan for buying a facade house in 2065438+2007?
Hello, if the loan principal is 500,000 yuan, the term is 20 years, the annual interest rate is 4.90% (unchanged), the monthly payment is 3,272.22, the total repayment is 785,332.86, and the total interest is 285,332.83.
Hello! 20 17 what is the loan interest rate for buying shops in Pinghu, Zhejiang? The loan is 200 years, 10 year.
Loan interest rate (1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%. (2) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1 of the benchmark interest rate. Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for more than five years is 7.05%0.85=5.9925%.
Is it okay to buy a shop loan for 900 thousand
Your store was bought for 900,000 yuan, with a down payment of 500,000 yuan and a loan of 400,000 yuan, so the repayment period should be 10 year! (Shops must make a down payment of 50%, and the interest rate is 10%. The so-called 50% is calculated according to the value of the store you want to buy. ) That is to say, the monthly payment is 43 19 yuan! And your monthly fund is 7490 yuan, nearly 9000 yuan a year!
Ok, let's calculate an account. The annual rent is 90,000, the store value is 900,000, the monthly repayment is 43 19 yuan, and the rent is 7490! In other words, the return rate of your store is 10%, which is increasing by 7% every year. There will be 3 100 yuan of extra funds after paying the rent every month, so from the data point of view, it is a set of shops with high cost performance and good return rate!
But my suggestion is to look at several aspects to analyze. How long has the contract been signed?
2. What is the situation and rate of return of other shops around you?
3. Is this shop new or old?
4. Are there any new landmarks or plans near the store in the future?
Because you know, all shops are rented by people who are willing. Just because your tenant has signed such a high rent doesn't necessarily mean that he can keep doing it, or the next tenant can keep renting your store at such a high rate of return! So the first thing to consider is whether the surrounding shops have the same rate of return as you! If it is, then OK will be fine! If not, then you should be careful and know how to refer to the average market price! Secondly, it should be noted that if it is a newly opened new store, there may be a possibility that the rental price fluctuates too much, but it will take 2-3 years to enter the normal and stable range, so don't regard the yield of the new store as a stable yield in the future!
If all the above are all right, I think this store is really cost-effective. The returns of my two stores are 7.5% and 9% respectively! At present, it is also the stage of renting and repaying loans! ! I think there are funds to invest in shops. Although the era of raising three generations in one shop has passed, it is no problem to raise one generation in one shop. In addition, the cycle of economy and entity is rotating. Who knows if the internet e-commerce will once again usher in the rise of entities? Investing in the future is the right choice! !
Remember to like it after reading it! !
If you can guarantee a stable income from rent, it is still very cost-effective. Suppose the store holds 10 years and sells it, what is the total income?
1, the annual rental rate of shops is 900,000 yuan, the monthly rent is 7,490 yuan, the annual rent is 89,880 yuan, and the annual rental rate is 9.98%, which is also increasing by 7% every year. This rental rate is very strong. In 10, the total income rent is about 124438+00000.
2. Loan interest The annualized interest rate of the loan is calculated according to the floating interest rate of 30%, and the repayment method is equal principal and interest. The loan principal is 400,000 yuan, the term is 10 year, and the total interest supported by * * is14.180,000 yuan.
3. the appreciation of the store. In 2000, the average sales price of commercial buildings was 3260.38 yuan/m2, in 2065 it was 438+00323 yuan/m2, and in 2007 the average annual growth rate was 7%. It is estimated that no one can say clearly how the future housing prices will go, but one thing is certain: the currency is oversubscribed and the settlement policy is loose, and the future.
How much of the 45,000 down payment can be used for financial management? Let's follow the bank.
20 17 the introduction of how long it will take to buy a facade house loan and a facade house loan ends here. I wonder if you have found the information you need?