2. The lender shall fill in the loan application form as required, and submit the application form and required materials as instructed by the bank.
3. The bank handling personnel shall pay a return visit to the lender to investigate the authenticity, legality and completeness of the information provided by the lender.
4. After approval by the bank, notify the lender of the approval result and sign a loan contract with the lender.
5, according to the situation for insurance, mortgage registration, notarization and other procedures.
6. The bank will directly transfer the loan to the account agreed in the contract.
7. The lender shall repay the loan principal and interest according to the loan contract.
8. If the real estate purchased by the shop loan is for business operation, the materials to be prepared: the borrower's ID card, household registration book, proof of marital status, original and photocopy of the real estate license, bank flow, proof of large assets, etc. A copy of the company's business license is stamped with the official seal, the company's articles of association, the company's financial statements for the last 1-3 years, the company's bank flow, and the certification materials used for business or financing purposes.
Matters needing attention in purchasing shop loans
1. First of all, it should be noted that the store loan is a kind of commercial real estate loan, not a personal housing loan, so the provident fund loan 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 loan period of a shop can be 10 years.
2. 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. 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.
3. At present, the mortgage loan for individual shops provided by commercial banks can reach up to 60%, and the loan term cannot exceed 10 year. According to the current commercial loan interest rate, it is a little more favorable than individual housing loans. 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.