Hello, know your city, Shenzhen. Examples show that the ownership of second-hand commercial housing in Shenzhen should be clear, and it can handle transfer transactions and formal mortgage registration. 2. The purchased second-hand commercial houses are generally more than two years, and more than 30 years. 3. Sound property structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction and property management, and mature surrounding business environment. 4. In principle, the borrower should be idle for more than six months (the units and personnel who purchased the property failed to use it), and the borrower meets our sunflower and customer standards, and the collateral has strong liquidity. Accept it as appropriate. If you have any questions, please open www.cmbchina.com, the homepage of China Merchants Bank, and click Customer Service in the upper right corner to enter the consultation.

Second, can second-hand shops get loans?

1. First of all, it should be noted that shop loans are actually commercial real estate loans, not personal housing loans, so provident fund loans cannot be used. The purchase of shops can be commercial loans, that is, loans can be made to loan companies. If they have good conditions and can stand the long waiting time, it is recommended to go to the bank for a loan to buy a facade.

2. In addition, when applying for a bank loan from a store, you need a series of certificates such as the borrower's identity certificate, income certificate, store purchase certificate and mortgage certificate. And you need to meet other conditions put forward 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 loan period of a shop can be 10 years.

3. It is understood that the purchase of shops can apply for bank loans, but the following conditions must be met: the borrower has full capacity for civil conduct and can provide valid identity documents; Having the ability to repay the loan principal and interest; Personal credit record is good; There is a commercial housing sales contract or agreement; Have a certain percentage of down payment; Other requirements of the Bank.

Third, how to buy a second-hand house?

Provide the information of buyers and sellers, fill in the standard application form of management center, submit the evaluation and pay the evaluation fee.

Second-hand housing loans need buyer and seller information, fill in the standard application form of management center, submit the evaluation and pay the evaluation fee. The data shall be submitted to the management center for examination and approval before preliminary examination. After passing the preliminary examination, inform the customer to go to the management center for an interview and the management center will review it. After the examination and approval, sign a guarantee contract in the petty cash management center and pay the guarantee fee.

After the loan is approved, notify the buyer and the seller of the transfer. Go through the mortgage registration after getting the new house. See the mortgage registration acceptance form of the management center for the loan. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and repayment), and be in the state of payment when applying for a loan.

Extended data:

Provisions on requirements related to second-hand housing loans:

1. The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract; Eligible buyers apply for loans from loan banks and provide relevant certification materials; The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank for house appraisal.

2 law firms to identify, investigate and analyze the borrower's credit certification materials and evaluation reports, and issue legal opinions; The loan bank carries out examination and approval, and informs the loan applicant whether to agree to the loan; The buyer and the seller go through the formalities of property right transfer, and after the transfer, the borrower goes to the bank to go through the formalities of loan.

3. The purchaser signs a second-hand housing mortgage loan contract with the loan bank; The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration; After the loan contract comes into effect, the loan bank will allocate funds according to the loan contract; The borrower repays the loan on a monthly basis; The borrower pays off the principal and interest of the loan and cancels the mortgage guarantee.