You can borrow money to buy a shop, and you can use a mortgage loan.

Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets, and contract for purchasing commercial housing.

Housing mortgage bank loan procedures:

1. Need to open a current deposit account with a banking institution;

2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank;

3. The bank business manager or appointed lawyer shall conduct home visits to investigate the authenticity, legality and completeness of the information provided;

4. After the approval of the bank, notify the approval result and sign the loan contract;

5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;

6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract;

7. Please repay the principal and interest according to the loan contract. Shops can borrow money, but they can only buy five floors, and they have to pay a down payment for five floors. However, it is not bad to have money to buy a shop that can buy five floors. In the real estate industry, there is a saying that one generation of shops enriches three generations, which means that you can buy a shop yourself now, and then your grandson will make a fortune from this shop in the future. First of all, it should be noted that shop loans are a kind of commercial real estate loans, not personal housing loans, so provident fund loans 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 longest loan for shops can be 10 years.

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.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!

How much is the down payment for the store loan?

With the development of the times, more and more young people think that saving money is not cost-effective, so many people will use their own money to buy shops. However, the threshold of shops is generally high, so many people will choose loans to buy shops. So, how much is the down payment for the store loan? In fact, the bank's review of shop loans is very strict. Let's discuss this problem together!

1. According to the survey, you must pay half of the down payment to buy a shop. Moreover, banks cannot provide mortgage loans to individual shops for more than ten years.

2. If you buy a brand-new store, you can get a loan of 50% of the contract price; If you buy a second-hand shop, you can get a loan of 50% of the evaluation price. It should be noted that the evaluation price is not necessarily the actual amount you bought, but can generally be determined according to the loan you need and the affordability of related taxes and fees.

If you are a college student, you can apply for a "start-up loan" in your place of residence on the basis of normal loans, so that you can not only enjoy interest-free concessions for one year, but also increase a lot of loan quotas.

In fact, the current commercial loan interest rate will be higher than the personal housing loan interest rate. Because it needs to be submitted: the buyer's deed tax = 3% of the sales price; At the same time, the handling fee should be submitted = 0.5% of the sales price; Stamp duty = 0.05% of the sales price.

Editor's summary: The above is an introduction about the down payment of a store loan. I hope I can give you some help. In fact, the bank's review of shop loans is very strict. The minimum standard area of general shops is 50 square meters, and the minimum total price is 400,000 yuan. The loan amount of shops can only be half of the appraised price, and the loan period cannot exceed ten years. In addition, if the down payment of the store is at least 50%, the loan interest rate of the store will rise by 10% based on the benchmark interest rate, which is 1. 1 times of the benchmark loan interest rate.

Can I get a loan to buy a shop?

In the current market, it is still quite good to open a store by yourself, but the initial investment required for opening a store is relatively large, so the financial pressure can only be alleviated through store loans. Is there a loan for buying a shop? Now let's get to know each other.

I. Information required for store rental

1. It is necessary to provide the original and photocopy of the owner's ID card and household registration book, as well as proof of salary flow and income, sales contract and bank down payment.

2. Several major procedures for purchasing a store: signing a house purchase contract, paying the down payment, the buyer handling a commercial loan, going to the local trading center to verify the tax, transferring the store's storefront, handing over the house, and the bank transferring the loan to the seller's account.

Second, the relevant provisions of the store loan

1. Shop loans are commercial loans, which are obviously different from individual housing loans, so it is impossible to use provident fund loans. Shops can borrow money not only from banks, but also from loan companies.

2. If you apply for a store loan through a bank, the information you need to provide includes: my ID card, income, purchase contract of the store, mortgage certificate and down payment certificate. The longest loan for shops provided by banks can be extended to 65,438+00 years.

If I apply for a commercial loan, I have the ability to repay the loan and have a very good reputation, then I just need to follow the process of handling the loan.

Three. Conditions for handling commercial loans

1. To apply for a loan, I need to have good civil capacity and be able to provide valid identity documents.

2. The bank judges that the applicant has repayment ability by reviewing the applicant's information.

3. The applicant has no credit problems and has a good credit record.

4. Be able to submit the contract for purchasing the store, and the buyer on the contract belongs to the same person as the lender applying for the loan.

The person who applied for the loan has paid more than 50% down payment when buying the store.

6. If the bank meets other requirements of the applicant, the applicant can apply for a shop loan.

Can I get a loan to buy a shop? I think you have the answer now. You can apply for a loan to buy a shop, but you need to pay 50% of the down payment of the shop.

How many years is the loan period of the shop?

At present, most cities in China have implemented the policy of restricting loans and purchases, but most of this policy is aimed at this person's housing, and for commercial real estate such as shops, it is restricted loans and purchases. So many investors will choose to buy shops. The price of shops is also relatively expensive, so we will choose to borrow money from banks. How many years can a shop keep? Next, Bian Xiao will briefly introduce it to you.

1. Shops are a kind of commercial real estate. If you buy a shop with a loan from a bank, the loan period is generally 5 years, and the longest loan can be 10 years. The interest rate of loan shops will be higher than that of ordinary houses, generally rising by about 10-20%, and the down payment ratio is mostly around 50-60%. Loan interest rates of different banks. The down payment ratio is different. You need to ask the relevant staff of the loan bank for the specific amount.

2. Like residential loans, when we apply for mortgage loans for shops, we must have legal and valid ID cards, stable jobs and incomes, sales contracts, adequate down payment, collateral recognized by the bank and other requirements of the lending bank. Buying a shop can't be a provident fund loan, only a commercial loan. And some banks do not support shop loans.

3. Compared with buying ordinary houses, buying shops needs to pay more taxes and fees. For example, 3%-4% deed tax; 550 yuan/Ben's house registration fee, 0.05% contract stamp duty; 5.65% business tax, 20% personal income tax and so on.

4. Because shops in many areas are not limited to buying, many people will choose to buy shops for investment. When buying a shop, we must pay attention to the land use right of the house. Generally, the right to use shops is only 40 or 50 years. If the developer holds it for a longer time, the service life of the shop will be shorter.

Bian Xiao concluded: How many years have you had store loans? Bian Xiao just gave a brief introduction here. I hope that after reading this article, you can have an understanding of shop loans.

Can I get a loan to buy a shop?

Many local people like to invest in shops, so the investment is relatively stable, whether it is self-occupation or rental, but it belongs to commercial shops. The following small series will introduce you to buy a shop can I borrow money?

1. First of all, it should be noted that the store loan is a commercial real estate loan, not a personal housing loan, so it is impossible to use the provident fund loan. You can borrow money from a loan company to buy a shop, which can be used for commercial loans. For example, if you have good conditions and can endure a long waiting time, you can recommend a bank loan to buy a shop here. When applying for a loan from a store bank, the first materials to be prepared are the applicant's ID card, income certificate, store purchase certificate, mortgage certificate and other materials, and other materials can be prepared before meeting other conditions put forward by the bank. At the same time, after submitting the application materials correctly, the applicant should also provide a down payment certificate of more than 50% of the house price of the store. The loan period of a store can be 10 years.

2. If you have the ability to repay the loan 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, you can apply for bank loans. First, you must meet the following conditions: the borrower must first have full capacity for civil conduct and provide valid identity documents; Having the ability to repay the loan principal and interest; Moreover, the personal credit record is also good, and there must be a commercial housing sales contract or agreement.

3. At present, the mortgage loan for individual shops provided by commercial banks can also be divided into 60%, so the loan term cannot exceed 10 years. According to the current commercial loan interest rate, it is relatively higher than the personal housing loan.

Summary: About buying a shop and getting a loan, that's enough. You can apply for a loan, but you have to prepare some relevant procedures in advance. I hope the above introduction will be helpful to everyone.

How to borrow money to buy a house? Is there a down payment rule?

Buyers can take out loans. Property buyers can borrow 10 years, because it is an investment property, so there is no difference between the first set and the second set.

Generally, the minimum down payment is 40-50%, and the maximum loan does not exceed 60% of the total price of the store.

Specific personal income and personal bank credit status, as well as local banking policies, fluctuate 10%-20%.

Commercial loan application conditions:

(1) has legal and valid residence status;

(2) A contract or agreement for the purchase of a store;

Have a stable occupation and income, good credit, and the ability to repay the principal and interest.

4, the purchase price is not less than 50%;

5. Agree to use the purchased store as collateral, or the assets recognized by the loan bank as collateral, and the mortgage or personal guarantee qualification and sufficient compensatory ability as the loan principal and interest and guarantor. Responsibility.

Application information:

(1) If the borrower's ID card (household registration book) or other valid proof of residence is valid, the married person shall also submit personal proof of marital status.

(2) The loan applicant fills in the Application Form for Commercial Housing Loan (for approval).

The first payment voucher;

(four) the contract or agreement for the purchase of the store;

(5) Proof of the borrower's family property and income;

(6) the identity certificate of the borrower;

Other information required by the bank.

Store mortgage down payment must be higher than 50%, and the interest rate should not be lower than 10%. The so-called 50% is calculated according to the value of the store you want to buy.

Shops mortgage is different from ordinary housing mortgage (mortgage property, the loan amount is generally 65%-70% of the value of real estate assessment). The interest rate is as high as 15%-30%.

The longest store can borrow 10 years. Because it is an investment property, there is no difference between the first set and the second set.

The minimum down payment is 50%, the maximum loan is 50%, and the lowest interest rate is 10%, depending on personal work income and personal bank credit, as well as local bank policies, ranging from 10% to 20%.

In the case of floating 10%, the interest rate is 7755% (for example, the benchmark interest rate is 7,05), and the highest interest rate is 15%: the interest rate is 8 1075%, up by 20%: the interest rate is 8,46.

For example, if the loan is 500,000 yuan and the loan term is 10 year, the difference between the maximum monthly supply of the two is less than that of 200 yuan. The deed tax in most cities is 4% yuan and 40,000 yuan. Some cities charge 3% and need 30,000 yuan. The minimum charge standard of maintenance fund is 2% yuan, which needs 20,000 yuan. There is also a handling fee of 30 thousand yuan and 3% The charge in this respect is generally in 30 yuan -90 yuan/m2, which is generally different in different provinces and cities.