All major commercial banks can make mortgage loans for shops, such as Industrial and Commercial Bank of China, China Merchants Bank, China Construction Bank, Agricultural Bank and China Bank. However, the shops used to make mortgage loans need to obtain corresponding property rights and meet the relevant regulations of banks. Loan recommendation, consult Moerlong. Moerlong does not mortgage the house loan, and the loan can be extended as soon as 1 day. Apartment shops can also apply.
Generally, major banks require users to provide identification, work certificate, bank account, shop property certificate, loan application form, loan purpose description, etc. when handling shop mortgage loans. After submitting the information, the bank will conduct an audit, and after the audit is passed, the corresponding loan can be obtained. Real estate mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration. Financial institutions give borrowers a certain credit line within the stipulated mortgage interest rate. Generally speaking, the loan approval and lending cycle of financial institutions are relatively long.
For more information about the loan, please consult Moore Long. Moerlong is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on the strong Internet and information technology R&D and operational capabilities, excellent management team and resource integration advantages, we strive to build industry standards in terms of customer acquisition, marketing, operation and product design, and provide customers with lower interest rates and more valuable loan products. Mo Long's loan products are all from partners, including traditional banks, emerging consumer finance companies and microfinance companies. Big brand, trustworthy!
Can shops be used for mortgage loans?
Shops can also be used for mortgage loans. As long as the legally acquired real estate can be used for mortgage, real estate is the most suitable collateral for banks. Generally speaking, it is necessary to evaluate the house before handling the mortgage. After the evaluation, only 70-80% of the evaluation price can be loaned, and the loan cannot be fully paid off.
1. Agreement of the store lease contract: In addition to the main body, the common clauses in the store lease contract mainly include: location, area, rent, rent increase ratio and time point, lease deposit or performance bond, liquidated damages, contract rescission right, liability for breach of contract, handling method, compensation, etc. Because there are many problems, only some of the above problems are analyzed. On the one hand, the agreement of the lease location involves the choice of the agreed jurisdiction, on the other hand, it also involves the design of the corresponding breach clause when the lessor changes the specific store in the investment promotion stage. On the issue of rent increase and time point, what needs to be paid attention to here is whether the increase base is monthly rent, quarterly rent or annual rent. Under the condition that the incremental ratio and time point are clearly agreed, the lessee can estimate the cost and income of the performance of the lease contract, so as to estimate whether the lease investment is feasible. As for the lease deposit or performance bond, it is generally a deposit to ensure the lessee to perform the contract according to the contract, aiming at the lessee's unilateral breach of contract or damage to the store or violation of property management regulations. This point should be elaborated in some cases, and the bottom clause should be well designed.
2. The materials needed to handle the mortgage loan of shops include: personal ID card and its photocopy, work certificate or business certificate, personal income certificate, business license of shops and its photocopy, personal credit report and other related materials. After the above materials are ready, you can fill in the application form and power of attorney at the bank. Shops' mortgage loans can be tens of percent: Shops' mortgage loans need to be divided according to the nature of borrowers, which can be divided into individual shops' mortgage loans and enterprise shops' mortgage loans. However, the mortgage approval of ordinary individual shops is not easy. If the borrower's qualifications and reputation are good, the evaluation price of the store will be higher. Generally, the loan will be 50% of the appraised price, but the height should not exceed 70%. This is because the percentage control of stores is very strict. The interest rate is the benchmark interest rate floating 10%. If the borrower's situation is not very good, the interest rate may increase. If it is the company's store mortgage, it will be relatively simple, and the mortgage will generally not exceed 60% of the assessed value.
Can the store real estate license handle mortgage loans?
Of course. Shops can apply for mortgage loans, and they need to apply for loans through real estate mortgage or business license. Shops mortgage loan refers to the short-term loan business provided by banks to borrowers in order to meet their production, operation, investment or consumption needs, with commercial premises legally owned by borrowers or third parties as collateral. Therefore, as long as the store meets the conditions of mortgage loan and the documents are complete, the applicant also meets the conditions for applying for loan. If it is a shop for rent, you can also apply for a mortgage loan at the bank.
[Legal basis]
Interim measures for personal loans
Article 11 To apply for a personal loan, the following conditions shall be met:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
This is the last of Nanjing Store mortgage loan and Nanjing Store mortgage loan policy. I wonder if you found the information you need from it?