Second-and third-tier cities have limited investment products, and real estate has become the darling of investors. At present, there is a large room for maintaining and increasing the value of real estate in the market, and the investment income of shops in real estate investment is higher. However, investment is risky, so you need to be cautious when buying shops. Today, Bian Xiao will tell you the story of an investment store.

First, the store leaseback commitment

Leaseback means that after the buyer pays the house price, the shop is handed over to the developer for operation and rental, and the owner gets a fixed return on leaseback. On the surface, the promise of leaseback has brought stable income to buyers, but it is unknown whether this promise has legal income and whether it can be protected by law if it is violated.

Second, the pool area.

The pool area of general shops accounts for 30-40% of the construction area, and some even exceed 50%. For buyers, the unit price of shops is higher than that of residential properties. Even if the error is allowed, it may bring tens of thousands of yuan of price changes and disrupt the budget of buyers.

Three, domestic and export stores do not merge.

Store sales are different inside and outside. People should ask about the nature of the property before buying a shop, otherwise you won't get the property certificate.

Fourth, the loan risk.

The loan ratio of individual shops is low and the term is short. The loan amount of shops will not exceed 60% of the contract price, and the loan period is only 10 year. In addition, the bank's qualification examination of shop lenders is stricter than that of residential loans, so it needs to comprehensively consider its own economic strength.

(The above answers were published on 20 17-02-27. Please refer to the actual situation for the current purchase policy. )

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