Shops mortgage loan is a kind of housing loan, which refers to the purchase of shops with loans from banks in the form of repayment of principal and interest in installments, usually with the shops purchased by themselves as collateral. Shops can borrow 10 years, because it is a sex property, so there is no difference between the first set and the second set. So why can't shops get loans? What are the loan terms for shops?

Shops mortgage loan is a kind of housing loan, which refers to the purchase of shops with loans from banks in the form of repayment of principal and interest in installments, usually with the shops purchased by themselves as collateral. Shops can borrow 10 years, because it is a sex property, so there is no difference between the first set and the second set. So why can't shops get loans? What are the loan terms for shops?

Why can't shops get loans?

1. Shops mortgage loan refers to short-term loan business provided by banks to meet their production, operation or consumption needs, with commercial premises legally owned by borrowers or third parties as mortgage guarantee. First-hand shops can borrow money, unless there is something wrong with your credit qualification, and second-hand shops have to negotiate with buyers and sellers.

2. If it is a first-hand store, the multi-energy loan is 50% of the contract price; If it is a second-hand shop, you can borrow 50% of the estimated price, which is not necessarily your actual transaction price. You can "operate" according to the loan amount you need and your ability to bear taxes and fees.

3. The loan conditions are relaxed. As long as they have permanent residence or valid residence status in this city, signed a contract or agreement with the developer to purchase commercial housing, and have the ability to repay the principal and interest, they can apply. Flexible repayment methods are like individual housing loans, and the repayment methods of shop loans are also flexible.

4. 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.

What are the loan terms for shops?

1. The borrower has full capacity for civil conduct and can provide valid identity documents;

2, only meet the needs of its production, operation or consumption;

3. Have the ability to repay the loan principal and interest;

4. The maximum service life of the store mortgage loan shall not exceed 10 year;

5. Personal credit record is good;

6. The loan amount shall not exceed 50% of the appraised value of the collateral of the store;

7. There is a commercial housing sales contract or agreement;

8. Good personal credit, stable and reliable sources of income and repayment ability when due;

9. Have a certain percentage of down payment;

10, there is a 50% fluctuation space between the low and high loan interest rates of banks;

1 1. Other requirements of the bank.

At present, the mortgage loan for individual shops provided by commercial banks can reach up to 60%, and the loan period cannot exceed 10 years. According to the current commercial loan interest rate, it is a little more favorable than individual housing loans. 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.

This is also the reason why shops can't get loans. What are the terms of the shop loan? Shop loans belong to a category 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.

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 apply for a loan when buying a second-hand shop business license?

There is no doubt that shops can apply for commercial loans, but the restrictions in different regions are different. For example, if they don't have their own house or shop in a certain place, they don't belong to the local hukou, so it is relatively difficult to get a loan.

1. You should prepare the husband and wife's ID card, household registration book, marriage certificate, permanent residence certificate issued by the neighborhood committee or administrative department, business license, rental contract, house purchase agreement, personal bank account, financial certificate, etc. And go to the local bank loan center for consultation. (For loans guaranteed by guarantee companies, the bank's approval is relatively loose, and the loan amount may be higher, but the guarantee fee needs to be paid more. )

2. Bank approval. The bank will check the authenticity of all documents provided by buyers and sellers. Some banks will also verify whether the bank flow provided by property buyers is true, and banks will control it according to their respective loan quotas. If the bank loan amount is small, approval is relatively difficult. Comparatively speaking, the loan granting speed in the first half of each year is faster than that in the second half.

3. If the loan is approved, the bank will give a notice after the loan is approved, and it can be processed within 2 working days.

How to borrow a loan from a shop?

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.

This concludes the introduction of how to buy second-hand shops and how to borrow money to buy second-hand shops. I wonder if you have found the information you need?