Hello, the general mortgage loan amount will be evaluated first, and the final amount needs to be judged according to your loan product and personal situation. As for the interest, it will generally rise 10%-50% on the basis of the bank's benchmark interest rate, and the specific floating situation is also the result of comprehensive judgment.

Second, how much can a store mortgage loan borrow?

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.

Six Seasons Real Estate Solutions

Third, how much can the mortgage of 6,543,800 shops be loaned?

You can borrow about 50W,

4. How much can a store mortgage loan borrow?

Ping An Bank has launched a real estate mortgage loan-Ping An Mortgage with a quota of 20 million. The loan interest rate is evaluated according to your comprehensive qualifications. Real estate mortgage loan application conditions:

1, age 18-65 (inclusive), borrower's age and loan period ≤70 years;

2. The borrower is a resident of China, Hong Kong, Macao and Taiwan and a foreigner, who must have lived in China for one year and have a fixed residence and occupation;

3. The mortgaged property needs clear property rights, and can be listed and circulated and registered as collateral. (including ordinary houses and single-family villas);

4. Accept the property under the name of a third party;

5. No bad credit record.

Requirements of mortgage loan for collateral: the loan collateral recognized by the bank must be the property owned and controlled by the mortgagor according to law, with clear property rights, listing and circulation, and mortgage registration. The scope includes: ordinary houses, high-grade houses, villas and commercial houses. The scope of commercial housing includes: shops, office buildings, commercial and residential dual-use houses, subject to the requirements of local branches. You can log in to Ping An Pocket Bank APP- Loan-Mortgage-Ping An Mortgage to learn and try to apply.

Reply time: 2020- 12-08. Please refer to the latest business changes announced by Ping An Bank in official website.

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