Legal analysis:

You can apply for a store loan from the bank. When applying for a shop loan, you need the borrower's identity certificate, income certificate, shop purchase certificate, mortgage certificate, etc. And other conditions that banks need to meet. At the same time, after submitting the application 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 repayment method of shop loans is also very flexible. If the loan term of the borrower is within 1 year (including 1 year), the borrower can pay off the loan principal and interest in one lump sum or repay the loan monthly. If the loan term is 1- 10 years (inclusive), the borrower shall repay the loan on a monthly basis. There are two repayment methods for monthly repayment: decreasing average capital interest method or monthly repayment method. Moreover, the lender can also choose to prepay in whole or in part according to the operating income.

Legal basis:

Article 672 of the Civil Code of People's Republic of China (PRC), the lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

Can I get a loan to buy a shop?

Many local people like to invest in shops, so the investment is relatively stable, whether it is self-occupation or rental, but it belongs to commercial shops. The following small series will introduce you to buy a shop can I borrow money?

1. First of all, it should be noted that the store loan is a commercial real estate loan, not a personal housing loan, so it is impossible to use the provident fund loan. You can borrow money from a loan company to buy a shop, which can be used for commercial loans. For example, if you have good conditions and can endure a long waiting time, you can recommend a bank loan to buy a shop here. When applying for a loan from a store bank, the first materials to be prepared are the applicant's ID card, income certificate, store purchase certificate, mortgage certificate and other materials, and other materials can be prepared before meeting other conditions put forward by the bank. At the same time, after submitting the application materials correctly, the applicant should also provide a down payment certificate of more than 50% of the house price of the store. The loan period of a store can be 10 years.

2. If you have the ability to repay the loan and the repayment ability is good, you can submit an application to the bank according to the normal loan process. It is understood that the purchase of shops, you can apply for bank loans. First, you must meet the following conditions: the borrower must first have full capacity for civil conduct and provide valid identity documents; Having the ability to repay the loan principal and interest; Moreover, the personal credit record is also good, and there must be a commercial housing sales contract or agreement.

3. At present, the mortgage loan for individual shops provided by commercial banks can also be divided into 60%, so the loan term cannot exceed 10 years. According to the current commercial loan interest rate, it is relatively higher than the personal housing loan.

Summary: About buying a shop and getting a loan, that's enough. You can apply for a loan, but you have to prepare some relevant procedures in advance. I hope the above introduction will be helpful to everyone.

What are the precautions for buying a store in partnership?

The change of the times has brought so much influence that many people choose to pay attention to something that they think is critical. These things contain a lot, and the biggest influence is buying a house. Some people can pay for it themselves. What are the precautions for buying a store in partnership? What is the process of buying a shop?

The change of the times has brought so much influence that many people choose to pay attention to something that they think is critical. These things contain a lot, and the biggest influence is buying a house. Some people can pay their own money, while others choose a partnership for economic reasons. What are the precautions for buying a store in partnership? What is the process of buying a shop?

Matters needing attention in purchasing shops in partnership

Buying in partnership is really good, but the key points must be clear. First, signing the contract, then the situation of the store itself and some financial problems.

1, clear property rights

Before buying a shop, you should check the ownership status of the purchased house with the real estate trading center in the area where the house is located, and see if the developer has relevant documents for selling the shop, including whether there is mortgage, so as to avoid property rights problems.

2. There are differences inside and outside the store.

When buying a shop, we should also distinguish whether to buy an outer street shop along the street or an inner street shop in a shopping mall. Buying a street shop needs to investigate the passenger flow in this area, and the passenger flow of the inner street shop depends on the management and operation of the shopping mall.

Step 3 consider the profit rate

Buying a shop needs to consider the profit rate of the shop, and the general investment declaration rate of more than 8% can be considered. The rent of shops can be estimated by referring to the rent around shops. Of course, it is impossible for a newly developed store to need a 3-5 year incubation period like a mature store.

What is the process of buying a shop?

1. You 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 manager or appointed lawyer will visit you at home to investigate the authenticity, legality and completeness of the information you provide;

4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you;

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.

8. If the real estate purchased by the shop loan is for business operation, the materials to be prepared: the borrower's ID card, household registration book, proof of marital status, original and photocopy of the real estate license, bank flow, proof of large assets, etc. A copy of the company's business license is stamped with the official seal, the company's articles of association, the company's financial statements for the last 1-3 years, the company's bank flow, and the certification materials used for business or financing purposes.

The above is what I should pay attention to when I buy a store in partnership? What is the overall introduction of the process of buying shops? It is normal to buy shops in partnership now. After all, the less people's pressure, the better, but even if some pressure is alleviated, some things that need to be paid attention to when buying should be paid attention to, otherwise changes in some cases are likely to cause accidents.

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!

How much is the down payment for the store loan?

With the development of the times, more and more young people think that saving money is not cost-effective, so many people will use their own money to buy shops. However, the threshold of shops is generally high, so many people will choose loans to buy shops. So, how much is the down payment for the store loan? In fact, the bank's review of shop loans is very strict. Let's discuss this problem together!

1. According to the survey, you must pay half of the down payment to buy a shop. Moreover, banks cannot provide mortgage loans to individual shops for more than ten years.

2. If you buy a brand-new store, you can get a loan of 50% of the contract price; If you buy a second-hand shop, you can get a loan of 50% of the evaluation price. It should be noted that the evaluation price is not necessarily the actual amount you bought, but can generally be determined according to the loan you need and the affordability of related taxes and fees.

If you are a college student, you can apply for a "start-up loan" in your place of residence on the basis of normal loans, so that you can not only enjoy interest-free concessions for one year, but also increase a lot of loan quotas.

In fact, the current commercial loan interest rate will be higher than the personal housing loan interest rate. Because it needs to be submitted: the buyer's deed tax = 3% of the sales price; At the same time, the handling fee should be submitted = 0.5% of the sales price; Stamp duty = 0.05% of the sales price.

Editor's summary: The above is an introduction about the down payment of a store loan. I hope I can give you some help. In fact, the bank's review of shop loans is very strict. The minimum standard area of general shops is 50 square meters, and the minimum total price is 400,000 yuan. The loan amount of shops can only be half of the appraised price, and the loan period cannot exceed ten years. In addition, if the down payment of the store is at least 50%, the loan interest rate of the store will rise by 10% based on the benchmark interest rate, which is 1. 1 times of the benchmark loan interest rate.

How to borrow money to buy a house? Is there a down payment rule?

Buyers can take out loans. Property buyers can borrow 10 years, because it is an investment property, so there is no difference between the first set and the second set.

Generally, the minimum down payment is 40-50%, and the maximum loan does not exceed 60% of the total price of the store.

Specific personal income and personal bank credit status, as well as local banking policies, fluctuate 10%-20%.

Commercial loan application conditions:

(1) has legal and valid residence status;

(2) A contract or agreement for the purchase of a store;

Have a stable occupation and income, good credit, and the ability to repay the principal and interest.

4, the purchase price is not less than 50%;

5. Agree to use the purchased store as collateral, or the assets recognized by the loan bank as collateral, and the mortgage or personal guarantee qualification and sufficient compensatory ability as the loan principal and interest and guarantor. Responsibility.

Application information:

(1) If the borrower's ID card (household registration book) or other valid proof of residence is valid, the married person shall also submit personal proof of marital status.

(2) The loan applicant fills in the Application Form for Commercial Housing Loan (for approval).

The first payment voucher;

(four) the contract or agreement for the purchase of the store;

(5) Proof of the borrower's family property and income;

(6) the identity certificate of the borrower;

Other information required by the bank.

Store mortgage down payment must be higher than 50%, and the interest rate should not be lower than 10%. The so-called 50% is calculated according to the value of the store you want to buy.

Shops mortgage is different from ordinary housing mortgage (mortgage property, the loan amount is generally 65%-70% of the value of real estate assessment). The interest rate is as high as 15%-30%.

The longest store can borrow 10 years. Because it is an investment property, there is no difference between the first set and the second set.

The minimum down payment is 50%, the maximum loan is 50%, and the lowest interest rate is 10%, depending on personal work income and personal bank credit, as well as local bank policies, ranging from 10% to 20%.

In the case of floating 10%, the interest rate is 7755% (for example, the benchmark interest rate is 7,05), and the highest interest rate is 15%: the interest rate is 8 1075%, up by 20%: the interest rate is 8,46.

For example, if the loan is 500,000 yuan and the loan term is 10 year, the difference between the maximum monthly supply of the two is less than that of 200 yuan. The deed tax in most cities is 4% yuan and 40,000 yuan. Some cities charge 3% and need 30,000 yuan. The minimum charge standard of maintenance fund is 2% yuan, which needs 20,000 yuan. There is also a handling fee of 30 thousand yuan and 3% The charge in this respect is generally in 30 yuan -90 yuan/m2, which is generally different in different provinces and cities.

Let's stop here for the introduction of joint store loan.