For those who have some money now, it is definitely not cost-effective to deposit it in the bank, and it is not enough to invest in shops. So, can buying a shop be mortgaged like buying a residential building? Please come with me to find out.
1. You can use commercial loans when buying a shop, but you can't use provident fund loans.
2. Because shops do not belong to the category of personal housing loans, the housing provident fund management center will definitely not approve such businesses.
3. However, you can apply for a commercial loan in the bank, as long as you prepare personal identification, income certificate, store purchase contract or agreement and other materials, and do it according to the requirements of bank staff.
The above is the answer to the question "Can shops borrow money?". I hope to bring some reference help to friends in need.
Can I get a loan to buy a shop?
With the continuous development of the real estate market, more and more investors turn to market houses. Then the question is, can I borrow money to buy a storefront? What conditions and information do you need for a store loan? Let me give you a brief introduction. \ r \ Can I get a loan to buy a store? \ r \ You can get a loan to buy a store. But the store is commercial, and the current policy is that the maximum loan for commercial housing can only be 50%, that is, the down payment needs 50%. For example, if the store price is 6,543,800+0,000, then a down payment of 500,000 and a loan of 500,000 are required. \r\nThe applicant for the store housing loan requires: \r\n① a legal and valid residence status; \r\n② There is a contract or agreement for purchasing commercial premises; \r\n③ Having a stable occupation and income, good credit and the ability to repay the loan principal and interest on schedule; \r\n④ There is a down payment of not less than 50% of the total price of the purchased store; \r\n⑤ Agree to use the purchased shops as collateral or provide assets recognized by the loan bank as collateral or pledge, or have units or individuals with guarantee qualification and sufficient compensation capacity as witnesses to repay the principal and interest of the loan and bear joint and several liabilities. \ r \ nTerm of store loan: \ r \ nThe longest term of store mortgage loan is generally 10 year. \ r \ nStore loan application materials \r\n① The borrower's ID card (household registration book) or other valid residence documents, and the married person must also submit personal marital status certificate; \r\n② The loan applicant fills in the Commercial Housing Loan Application (Approval) Form; \r\n③ down payment voucher; \r\n④ The contract or agreement for purchasing the store; \r\n⑤ Proof of the borrower's family property and income; \r\n⑥ Identification certificate of the borrower; \r\n⑦ Other information required by the bank. \r\nWhat is the loan process of the store \r\n 1? Sign a sales contract with the landlord; \r\n2。 Find an evaluation company to evaluate the property; \r\n3. Go to the bank to make a down payment and apply for a loan; \r\n4。 The bank approves the loan; \r\n5。 After the approval, the buyer and the seller go to the exchange to handle the transfer of the real estate license; \r\n6。 The bank lends money to the seller. \ r \ Editor's summary: After reading the above introduction, I believe you have a deeper understanding of whether a store can get a loan. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.
Can I get a loan to buy a shop?
You can borrow money to buy a shop, and you can use a mortgage loan.
Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets, and contract for purchasing commercial housing.
Housing mortgage bank loan procedures:
1. Need to open a current deposit account with a banking institution;
2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank;
3. The bank business manager or appointed lawyer shall conduct home visits to investigate the authenticity, legality and completeness of the information provided;
4. After the approval of the bank, notify the approval result and sign the loan contract;
5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;
6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract;
7. Please repay the principal and interest according to the loan contract. Shops can borrow money, but they can only buy five floors, and they have to pay a down payment for five floors. However, it is not bad to have money to buy a shop that can buy five floors. In the real estate industry, there is a saying that one generation of shops enriches three generations, which means that you can buy a shop yourself now, and then your grandson will make a fortune from this shop in the future. First of all, it should be noted that shop loans are a kind of commercial real estate loans, not personal housing loans, so provident fund loans cannot be used. The purchase of shops can be commercial loans, and loans can be made to loan companies. If you have good conditions and can endure a long waiting time, it is recommended to buy a shop with a bank loan.
When applying for a loan from a store bank, you need the borrower's identity certificate, income certificate, store purchase certificate, mortgage certificate and other information as well as other conditions required by the bank. At the same time, after submitting the application materials correctly, the borrower also needs to provide a down payment certificate of more than 50% of the house price of the purchased store. The longest loan for shops can be 10 years.
As long as the loan can be repaid and the repayment ability is good, you can submit an application to the bank according to the normal loan process.
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!
Can shops get loans?
Legal analysis: shops can borrow money. It should be noted that shop loans are a kind of commercial real estate loans, not personal housing loans, so provident fund loans cannot be used. Commercial loans can buy shops, you can find loans from loan companies. If you have good conditions and can endure a long waiting time, I recommend you to buy a shop with a bank loan. When applying for a loan from a store bank, you need the borrower's identity certificate, income certificate, store purchase certificate, mortgage certificate and other information as well as other conditions required by the bank.
Legal basis: Article 25 of the General Principles of Loans: If a borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; The second is the financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period before applying for a loan. Third, correct the original unreasonable loans. The fourth is the list of collateral and pledge, the certificate of consent of the mortgagee and pledge disposition, and the relevant certification documents of the guarantor's intention to agree to guarantee; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender. It is suggested to borrow money from the bank to buy a shop.
Can shops make mortgage loans?
Of course. Shops can apply for mortgage loans, and they need to apply for loans through real estate mortgage or business license. Shops mortgage loan refers to the short-term loan business provided by banks to borrowers to meet their production, operation, investment or consumption needs, with commercial premises legally owned by borrowers or third parties as collateral. Therefore, as long as the store meets the conditions of mortgage loan and the documents are complete, the applicant also meets the conditions for applying for loan. If it is a shop for rent, you can also apply for a mortgage loan at the bank.
[Legal basis]
Interim measures for personal loans
Article 11 To apply for a personal loan, the following conditions shall be met:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Shops with mortgages can get loans. Let's stop here.