Compared with residential buildings, the loan process is the same, but the difference is the down payment, interest rate and loan life. The down payment for residential buildings is at least 3%. According to current prices, the interest rate rises by about 15%, which is different for different banks. The loan life can be 3 years longer.

the down payment for office buildings is at least 5%, and the interest rate is similar to the floating rate, but commercial loans will be easier than residential buildings, because there is a restriction on residential buildings, and there is no restriction on office buildings except foreign investors. The loan period for office buildings is 1 years.

Precautions for buying office buildings

1. It depends on the geographical location. The key to guarantee is the rental rate. Commercial office buildings are mainly designed for small and medium-sized enterprises, so they must be selected in places with many small and medium-sized enterprises.

For the wholesale market, it is necessary to examine whether its business combination is reasonable. Generally speaking, the more wholesale markets are combined with industries, the more small and medium-sized enterprises that need office space.

2. For small and medium-sized people, they can choose a unit with an area of 8-12 square meters. On the one hand, the investment is relatively low, on the other hand, the demand for leasing is large, the tenants are relatively stable, and it is easy to sell when the price is right. 4-6 square meters of mosquito-type apartment, although the input cost is lower, but the tenants are mostly small enterprises, with high mobility, and it is difficult to collect rent stably.

3. Pay attention to whether the decoration, landscape and floors attached to the office building are comfortable, the management fee should be below 1 yuan/square meter, the hardware facilities such as parking spaces and elevators should be sufficient, and whether the skirt building has commercial catering facilities.

4. It is necessary to check whether the project has business facilities, such as secretarial services, hotel-style services, industrial and commercial consulting, legal services, conference rooms, video rooms, etc., as well as the management level of the management company and other details. These factors directly affect the rent level.

5. Property rights should be clear. If you buy a building with a period, you must inquire whether there is a pre-sale certificate. If it is an existing building, you must pay attention to whether the planning acceptance, fire control acceptance and quality acceptance have been completed.

6. if it's a second-hand building, it's good to choose some high-quality buildings, and some enterprises and units have entered the project. Also pay attention to the transaction situation of the office building in recent years, the frequency of unit turnover and so on.

7. At present, many commercial office buildings on sale are converted from residential buildings. When purchasing, you must find out whether the nature of their use has been changed to office use, otherwise you will not be able to apply for industrial and commercial registration.

8. Some commercial office buildings for sale are re-listed from unfinished buildings, because the service life of the office buildings is 5 years, so buyers must pay attention to when the land is transferred and weigh the remaining service life.

The above is what Xiaobian shared for you about the down payment for buying an office building. For more information, you can pay attention to the construction industry to share more dry goods.