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 I can help some netizens who want to apply ~

1. Materials to be submitted for 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 register, home visit certificate for Hong Kong and Macao compatriots and other valid residence documents);

2. Marriage certificate (marriage certificate), single certificate or divorce certificate (court 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 mortgage loans for shops

1. Bring all 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.