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 will be auctioned, so pay special attention.

Can I get a loan to buy a shop?

With the continuous development of the real estate market, more and more investors turn to market houses. Then the question is, can I borrow money to buy a storefront? What conditions and information do you need for a store loan? Let me give you a brief introduction. \ r \ Can I get a loan to buy a store? \ r \ You can get a loan to buy a store. But the store is commercial, and the current policy is that the maximum loan for commercial housing can only be 50%, that is, the down payment needs 50%. For example, if the store price is 6,543,800+0,000, then a down payment of 500,000 and a loan of 500,000 are required. \r\nThe applicant for the store housing loan requires: \r\n① a legal and valid residence status; \r\n② There is a contract or agreement for purchasing commercial premises; \r\n③ Having a stable occupation and income, good credit and the ability to repay the loan principal and interest on schedule; \r\n④ There is a down payment of not less than 50% of the total price of the purchased store; \r\n⑤ Agree to use the purchased shops as collateral or provide assets recognized by the loan bank as collateral or pledge, or have units or individuals with guarantee qualification and sufficient compensation capacity as witnesses to repay the principal and interest of the loan and bear joint and several liabilities. \ r \ nTerm of store loan: \ r \ nThe longest term of store mortgage loan is generally 10 year. \ r \ nStore loan application materials \r\n① The borrower's ID card (household registration book) or other valid residence documents, and the married person must also submit personal marital status certificate; \r\n② The loan applicant fills in the Commercial Housing Loan Application (Approval) Form; \r\n③ down payment voucher; \r\n④ The contract or agreement for purchasing the store; \r\n⑤ Proof of the borrower's family property and income; \r\n⑥ Identification certificate of the borrower; \r\n⑦ Other information required by the bank. \r\nWhat is the loan process of the store \r\n 1? Sign a sales contract with the landlord; \r\n2。 Find an evaluation company to evaluate the property; \r\n3. Go to the bank to make a down payment and apply for a loan; \r\n4。 The bank approves the loan; \r\n5。 After the approval, the buyer and the seller go to the exchange to handle the transfer of the real estate license; \r\n6。 The bank lends money to the seller. \ r \ Editor's summary: After reading the above introduction, I believe you have a deeper understanding of whether a store can get a loan. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

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!

Can I get a loan to buy a shop?

In the current market, it is still quite good to open a store by yourself, but the initial investment required for opening a store is relatively large, so the financial pressure can only be alleviated through store loans. Is there a loan for buying a shop? Now let's get to know each other.

I. Information required for store rental

1. It is necessary to provide the original and photocopy of the owner's ID card and household registration book, as well as proof of salary flow and income, sales contract and bank down payment.

2. Several major procedures for purchasing a store: signing a house purchase contract, paying the down payment, the buyer handling a commercial loan, going to the local trading center to verify the tax, transferring the store's storefront, handing over the house, and the bank transferring the loan to the seller's account.

Second, the relevant provisions of the store loan

1. Shop loans are commercial loans, which are obviously different from individual housing loans, so it is impossible to use provident fund loans. Shops can borrow money not only from banks, but also from loan companies.

2. If you apply for a store loan through a bank, the information you need to provide includes: my ID card, income, purchase contract of the store, mortgage certificate and down payment certificate. The longest loan for shops provided by banks can be extended to 65,438+00 years.

If I apply for a commercial loan, I have the ability to repay the loan and have a very good reputation, then I just need to follow the process of handling the loan.

Three. Conditions for handling commercial loans

1. To apply for a loan, I need to have good civil capacity and be able to provide valid identity documents.

2. The bank judges that the applicant has repayment ability by reviewing the applicant's information.

3. The applicant has no credit problems and has a good credit record.

4. Be able to submit the contract for purchasing the store, and the buyer on the contract belongs to the same person as the lender applying for the loan.

The person who applied for the loan has paid more than 50% down payment when buying the store.

6. If the bank meets other requirements of the applicant, the applicant can apply for a shop loan.

Can I get a loan to buy a shop? I think you have the answer now. You can apply for a loan to buy a shop, but you need to pay 50% of the down payment of the shop.

What is the loan interest rate for facade houses?

Nowadays, when buying real estate, most people apply for loans to relieve the pressure. Under normal circumstances, the loan interest rate of facade houses will fluctuate occasionally according to the regulations of the People's Bank of China in the same period, and the specific interest rate will also be subject to the relevant banks. The following small series will introduce the loan interest rate of the next facade room for your reference!

1. What is the loan interest rate for the facade house?

Now the People's Bank of China has promulgated the benchmark annual interest rate for loans: 0 to 6 months (including 6 months), with an annual interest rate of 4.35%; 6 months to 1 year (inclusive), with an annual interest rate of 4.35%; 1 to 3 years (including 3 years), with an annual interest rate of 4.75%; 3 to 5 years (including 5 years), with an annual interest rate of 4.75%; 5 to 30 years (including 30 years), with an annual interest rate of 4.90%; The loan interest rate should be combined with the comprehensive pricing of the business category, credit status and guarantee method applied by the buyers, and can only be decided after the evaluation of the outlets.

2. What are the procedures for buying a facade loan?

1. Identity documents of husband and wife, household registration book, marriage certificate, permanent residence certificate issued by neighborhood committee or administrative department, business certificate, rental agreement, house purchase contract, personal bank account, asset certificate, etc. They should be prepared in advance, and they should go to the local bank for loan consultation. (For loans guaranteed by guarantee institutions, the bank's assessment is more relaxed, and the loan amount may be higher, but it is necessary to pay more guarantee fees.

2. Bank evaluation: Banks will investigate the reliability of documents provided by buyers and sellers, and some banks will also check whether the bank flow provided by buyers is conclusive, and banks will control according to their respective lending quotas. If the amount of bank loans is small, it is more difficult to review, and the loan approval time in the first half of each year is relatively faster than that in the second half.

The bank will inform you when the loan is approved, and it can be processed within 2 working days. In principle, commercial housing mortgage loans can be handled, and the service life is 10 years. Usually, the loan amount does not exceed 50% of the evaluation price, and the loan interest rate rises. At present, the bank's credit is relatively shrinking, which improves the conditions of loan customers.

Summary: The above is the related content about the loan interest rate of facade houses introduced by Bian Xiao, hoping to bring help to everyone. In doing business in life, it is important to have a facade and a shop, but now the facade price in a better location is very high, not lower than the house price.