Of course, if you buy a factory, you can get a loan. You can go to the bank with the lease contract of your venue, or your real estate license, etc. They will definitely guide you how to operate.

One,

Of course. You can apply for a loan to buy a factory, but the personal loan of a bank generally needs collateral to apply for a loan. At the same time, certain conditions must be met, including the lender's age is 18 to 65 years old, the borrower's actual age and loan application period must not exceed 70 years old, and he must also have a stable job and income, be able to repay the loan principal and interest on time, have a good credit report and have no bad records.

Personal bank loans are small, short-term or long-term RMB loans provided by banks to customers for legitimate business activities. Personal mortgage loan refers to a loan granted to a natural person with the property of the borrower or a third party as collateral according to the provisions of the Property Law of People's Republic of China (PRC).

The general loan term of house mortgage loan is 1 year-10/year, and the maximum loan amount is 70% of the appraised house price. Factory mortgage is similar to our personal housing mortgage. If the factory is legal, owned by the enterprise, with real estate license and land use certificate, then you can apply for a mortgage loan from the lending institution. Therefore, it is very important whether the self-built factory has real estate license and land use certificate, and whether the self-built factory can be used for mortgage loan is the key point. The mortgage loan amount of the factory needs to be determined according to the size of the factory and the evaluation of assets. Under normal circumstances, 70% of the assets appraisal amount will be lent.

Second, the matters needing attention of personal loans

1. When applying for the loan amount, we must be moderate and fully consider the financial situation and financial habits of individuals and families. Usually, the monthly repayment amount should not exceed 50% of the total family income.

2. Keep a good credit record. Once the credit record is bad, it will directly affect the operability of the loan and may even be refused by the bank.

3. Provide real personal information and data recommendation to the bank when lending, cultivate a good sense of integrity from the beginning, and never provide false information, otherwise it may be blacklisted by the bank and rejected by all banks; Notify the bank in time when personal information changes.

What problems should I pay attention to when buying a factory building? Can I get a loan to buy a factory?

Now some people need to use factories to do business, mainly to put more things. When it comes to buying a factory building, there are still many problems to pay attention to. After all, such a house is used to store things. If there is a problem, our goods will also be damaged. What problems should I pay attention to when buying a factory building? Can I get a loan to buy a factory?

Now some people need to use factories to do business, mainly to put more things. When it comes to buying a factory, there are still many problems to pay attention to. After all, this kind of house is used to store things. If there is a problem, our goods will also be damaged. Therefore, if you want to buy a factory, some small details can't be ignored. Then I'll tell you what to pay attention to when buying a factory. Can I get a loan to buy a factory?

What problems should I pay attention to when buying a factory building?

1. The difference between buying a factory and buying another house is that the most important thing is to pay attention to whether the land use right is legally obtained in accordance with state regulations, whether the land use certificate is obtained through administrative allocation or allocation, and the land transfer fee must be paid (the fees paid in different places are different). It depends on the original land use certificate and real estate license.

2. Carefully choose factories with residential areas around them. Due to early urban planning problems, some factories are located near residential areas, which is prone to legal problems. From the experience, residents have low tolerance for the impact of productive enterprises on the living environment, and the residential areas around factories or factories often become hidden dangers of complaints and neighboring litigation. Once it happens, it is often easy to upgrade to group time, which directly affects the normal operation of enterprises.

3. Understand and verify the road traffic and surrounding traffic conditions, objectively evaluate and other indicators that affect the transportation cost of enterprises; "Macro" traffic factors include: the geographical location and location of the house, the surrounding road conditions, the distance from the main traffic roads, expressways and urban expressways, the height requirements of the roads for passing vehicles, and the bearing capacity of the ground; The "microscopic" traffic factors include: the road conditions inside the factory, the road conditions at the junction between the factory and the road, and whether large vehicles can pass.

Can I get a loan to buy a factory?

The general loan term of house mortgage loan is 1 year-10/year, and the loan amount is 70% of the appraised house price. Factory mortgage is similar to our personal housing mortgage. If the factory is legal, owned by the enterprise and has real estate license and land use certificate, you can apply for mortgage loan from the lending institution. Therefore, it is very important whether the self-built factory has real estate license and land use certificate, but whether the self-built factory can be used for mortgage depends on the scale of the factory and the evaluation of assets. Under normal circumstances, 70% of the assets appraisal amount will be lent.

What problems should I pay attention to when buying a factory building? Can I get a loan to buy a factory? We already know the problem of the factory building. Pay attention to many problems when buying a factory building, especially the top of the factory building. If we don't pay attention to the top, the later water leakage will have a great impact on the goods stored in our factory, and even cause losses.

Can I borrow money for industrial land?

Some industrial land cannot be loaned.

Industrial land is the land for factories, workshops, workshops, production sites, warehouses and other places independently established by enterprises; If the industrial land is owned by an enterprise, you can apply for a loan, but there are certain application conditions. If the industrial land is leased and contracted by enterprises, only the right to use it has no ownership, and such industrial land cannot be loaned.

Land mortgage loan process:

1. First, the estimated total value of collateral should be calculated according to the loan amount to be applied and the mortgage rate promised by the bank (loan amount/collateral evaluation value).

2. Consult the real estate appraisal agency for the highest appraisal unit price that can be achieved in the appraisal of the target collateral, and then divide the total appraisal calculated in the first step by the highest appraisal unit price to calculate the required collateral area.

3. According to the collateral area calculated in the second step above, first draw the land area that meets the conditions of bank mortgage loan on the CAD plan.

Extended data:

The difference between industrial land and construction land:

1. The scope of construction land and industrial land is different.

Construction land is generally divided into residential land, public facilities land, industrial land, logistics and storage land, transportation facilities land, municipal public facilities land, road square land, green land and special land; Industrial land refers to the independently set factories, workshops, manual workshops, construction and installation production sites, slag discharge (ash) sites and other land.

2. The land price of construction land and industrial land is different.

The land price of industrial land is low, and the land price of construction land is high.

3. The use period of construction land and industrial land is different.

The service life of industrial land is 30 years and that of construction land is 40 years.