Storefront room is very popular now, and many people regard it as a way of investment. Therefore, the market prospect of storefront houses is very good. So, can the store get a loan? How to use real estate loans? Today, Bian Xiao will talk to you about the store.

1. Can the store get a loan?

First of all, shops can borrow money. However, there are certain conditions for store loans. If the store house is used as a mortgage loan, the original house must be repaid for more than one year, and the loan balance is less than 60% of the value of the mortgaged house. In addition, the property right of the house has been obtained, and the age of the house is within 10 year, which can be effectively guaranteed.

Second, how to borrow real estate

1, application

The lender applies for a loan from the bank and waits for the bank's approval;

2. Submit data assessment

If it is approved by the bank, the lender needs to submit a copy of the real estate license and the information required by the bank; After that, the bank will evaluate the price of the lender's property, which is the key to determine the loan amount;

Step 3 sign a contract

Sign a series of contracts, and the lender needs to have a corresponding bank account for repayment. If not, it needs to be opened immediately;

4. Make mortgage registration

Handle mortgage registration according to the requirements of relevant departments;

Step 5 work out the accounts

Finally, the bank will transfer the loan to your designated account;

6. Mortgage loan amount of real estate license

Before determining the amount of mortgage loan, it is necessary to evaluate the house price. There are many factors that affect the evaluation value, such as location, age and area. At present, the maximum amount of mortgage loan is about 70% of the appraised price.

At the end of the article, it said: It's all a question of whether the store can get a loan. Before making a real estate loan, you must consider your repayment ability and future fluctuations in the family economy. If the repayment fails, the house will be owned by the bank and auctioned by the entrusted court. Pay special attention to this point.

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