How to borrow the right to use shops and houses

The right to use the shop can be rented. The right to use shops is essentially a long-term lease right. Merchants with business licenses for more than half a year can apply for mortgage loans for the right to use shops. Merchants need to provide a guarantor and go through the formalities at the nearest bank outlet.

legal ground

Article 25 of the general principles of loans

If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks.

Article 395 of the Civil Code

The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.