You can also buy a shop as a residence, that is, apartments and water and electricity are commercial, and many businesses are lifeless and need to be considered clearly. Commercial water and electricity are more expensive than residential buildings.

The down payment depends on the total price of the store you bought. 1 10,000 is a down payment of 500,000. Shops don't occupy the property of the house, but if you have a loan, you may be over-indebted, and unless you have a lot of running water, it is easy to fail the loan.

2. What is the total interest for the loan of 300,000 yuan for a commercial facade house 10, and how much is the monthly repayment?

Matching principal and interest repayment method: loan category: commercial loan calculation method: according to the loan mortgage period of RMB: 10 year (120 period), interest rate: 65438+benchmark interest rate on February 23, 2008 (benchmark interest rate is used here, depending on the bank), calculation result: amount: RMB 300,000.

Can I get a loan to buy a shop? How long is the loan term?

Shops are the first choice for many people because of their high income and high speed. Then can I get a loan to buy a shop? If you want to borrow money to buy a house, how long is the loan period of the shop?

Shops can be said to have high returns and high speed, so they have always been favored by people in the real estate industry. Many people will also choose shops to own assets, so can they borrow money to buy shops? If you finally choose to buy by loan, how long is the loan period of the store?

Can I get a loan to buy a shop?

First of all, it should be noted that shop loans are actually a kind of commercial real estate loans, not personal housing loans, so provident fund loans cannot be used. However, commercial loans can still buy shops. If you have good conditions and can endure a long waiting time, it is recommended that you use bank loans to buy shops, but you need to meet the following requirements:

1. The borrower has full capacity for civil conduct, that is, he can provide valid identity documents to prove the identity of the borrower;

2. The ability to repay the loan principal and interest requires the borrower's income certificate;

3. Personal credit record is good;

4. There is a commercial housing sales contract or agreement, and proof of shop purchase is required;

5. If there is a certain down payment, the borrower shall also provide a down payment certificate of more than 50% of the house price of the purchased store;

6. Other requirements of the Bank.

After the loan is issued, the borrower shall repay the loan on a monthly basis. For monthly repayment, you can choose two repayment methods, that is, the average capital decreasing interest method or the monthly repayment method, to avoid the store's recovery.

How long is the loan period of the shop?

If you choose a shop loan to buy a shop, the loan is not capped, and the loan period is generally 5 years, and the length is 10 year. The loan interest rate shall be the same level RMB fixed assets loan interest rate stipulated by the People's Bank of China, with a floating range of 5.85%-6.2 1%.

At present, the mortgage loan of individual shops provided by commercial banks can reach up to 60%, which is a little higher than the profit of individual housing loans according to the current commercial loan interest rate. In addition, because the shop is sexual, there is no distinction between the first suite and the second suite, which means that even if the shop you buy is the first suite under your name, it will be implemented according to this standard.

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 can repay the loan on a monthly basis. Moreover, the lender can also choose to prepay in whole or in part according to the operating income.

In short, buying a shop can be loaned, the repayment period can even reach ten years, and the repayment method is quite flexible, so it is good news for those who want to start buying a shop, but when choosing to buy a shop, we must pay attention to factors such as location and choose valuable shops.

4. What percentage can the store get now, and how many years is the longest loan?

50% of the total appraised value, the longest service life 10 years, and the interest rate will rise at least 10% (according to the policies of local banks).