The premise of mortgage loan is that there must be a real estate license, and commercial housing can only borrow half of the evaluation price. The house has nothing to do with the developer.

Two. What are the required information and handling details of mortgage loans for shops?

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.

Three. Information required for mortgage loan of shops and detailed rules for handling.

Then the down payment contract certainly does not exist, if the developer does not agree to your loan. We often encounter such projects and need to sign a down payment contract. Most of these situations may be because developers want to withdraw funds faster.

The down payment contract is actually equivalent to the real estate license. You have to use other assets as collateral. If you want to make a mortgage, it takes time to approve the loan.

4. What materials do individuals need to apply for store mortgage loans, and what are the basic procedures for handling them?

Let's start with the definition of personal store mortgage loan: Personal store mortgage loan refers to the loan that the borrower applies for a loan from the lender with its own or third-party commercial house as collateral to solve the problem of insufficient funds. Knowing what a personal store mortgage loan is, let's take a look at what relevant materials and basic processes need to be submitted to apply for a commercial mortgage loan! I hope it will help some netizens who want to apply ~ 1. Materials to be submitted when applying for commercial housing mortgage loan 1. For customers who meet the loan conditions, the bank will issue the Approval Form for Personal Loan Application and the Certificate of Personal Income, inform them of the specific requirements for filling in the form, and provide the following documents: the original and photocopy of legal and valid identity documents (resident ID card, military officer's card, household registration book, home visit certificate for Hong Kong and Macao compatriots and other valid residence certificates, etc.). ) .2. Marriage certificate (marriage certificate), single certificate or divorce certificate (judgment agreement or remarriage certificate or non-remarriage certificate) of the borrower and spouse; 3. Property right certificate, land use certificate and their copies of the mortgaged property; 4. Collateral assessment report issued by an assessment agency recognized by the loan bank; 5. Economic income or occupation certificate recognized by the lender; 6. Leased houses must provide the lessee's commitment documents; 7. Other supporting documents or materials required by the lender. Second, the basic process of handling store mortgage loans 1. Bring all the application materials to the bank to apply for a store mortgage loan; 2. The bank conducts loan investigation, review and approval; 3. If the loan is approved, the bank shall go through the loan formalities according to the prescribed procedures after implementing the loan conditions; 4. The borrower shall repay the loan principal and interest as agreed in the contract; 5. After the loan is settled, the mortgage registration department shall handle the mortgage registration and cancellation procedures in accordance with the provisions of the bank.