How to borrow money for commercial and residential dual-use houses, and how much is the down payment?

1. How to get a loan for a commercial and residential dual-use house and how much is the down payment?

How to get a loan and how much is the down payment for a commercial and residential house? Now the down payment can be divided into:

1. In the case of the first suite, the minimum down payment can be 20% for the purchase of a new house with an area of not more than 90 square meters;

2. In the case of the second suite, the minimum down payment for purchasing the property is 60%;

3. The price of three suites is not loanable.

4. Other situations are the lowest.

I want to buy a commercial and residential house in Guangzhou. I would like to ask how to apply for a mortgage loan by looking for a mortgage company. Dayuan mortgage is professional and convenient.

How much is the down payment for commercial and residential houses? If you apply to China Merchants Bank for personal commercial housing loans to purchase commercial and residential dual-use housing, the maximum loan/credit line shall not exceed 55% of the appraised net value of the purchased real estate or 50% of the appraised present value, and shall not exceed 55% of the transaction price. If the policies of the regulatory authorities are adjusted, it shall be implemented according to the relevant regulations of the Bank and the regulatory authorities. Specifically, when you apply for this loan through the counter personal loan department, you will handle the relevant work.

The most important thing to pay attention to when buying a house is to look at the five certificates expressed by the developer. Five certificates refer to the state-owned land use certificate, construction project planning permit, construction project commencement permit and commercial housing pre-sale permit (or commercial housing sales permit).

According to Article 12 of the Regulations on Urban Banks in People's Republic of China (PRC), the maximum period of land use right transfer is determined according to the following purposes: 70 years for residential land; Industrial land for 50 years; Education, science and technology, culture, health and sports land for 50 years; Commercial, tourism and entertainment land for 40 years; Comprehensive or other land use for 50 years. "

Harbin Juye Real Estate I introduce: The main differences between 50-year-old property houses and ordinary houses are as follows:

First, the future use cost is uncertain. The former, according to the provisions of public, charge water, electricity, heating and other fees. Therefore, for property buyers. At present, most developers adopt mutual acceptance in early development.

Second, the differences in related taxes and fees. Ordinary residential projects originally purchased and transferred in the future, while 50-year-old residential properties,

Third, the loan conditions are limited. Most of these houses cannot apply for provident fund loans, and a few projects are developing houses with property rights or 40-year property rights. If you use a bank loan, you can only get 50% or 60% of the mortgage.

Fourth, building-related requirements, the former has higher standards for civil air defense and fire protection, and the cost will increase for developers.

That depends on whether you are a commercial real estate or an ordinary house.

If it is commercial real estate, then either two sets of talk covers or two sets.

Can I get a loan for a commercial and residential house? Commercial and residential houses can be mortgaged.

Loan application materials

1. Property land certificate must be mortgaged to the bank)

2. Identity cards of the obligee and his spouse

3. Household register of the obligee and spouse

4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)

5. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. )

6. If the property owner has minor children, please provide birth certificate.

7. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.

8. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. )

How much is the down payment for commercial and residential loans in Beijing? If you apply for personal commercial housing loan at China Merchants Bank, the loan/credit line for commercial and residential dual-use housing shall not exceed 55% of the appraised net value of the purchased real estate or 50% of the appraised present value, and shall not exceed 55% of the transaction price. Your specific "loanable amount" needs to be determined by the handling bank after you submit the information.

We are a commercial and residential house, and our brother is down payment. We are applying for a loan, which is under examination and approval. Hello, we haven't come down yet.

I'm happy to answer your question.

You can write down your address.

Hope to adopt, thank you.

Is the business tax high? Commercial housing transactions and shops are taxed according to the same standard. Water, electricity and gas are charged according to commercial purposes, and property fees are higher than those in ordinary residential quarters.

2. How to make a down payment for commercial and residential dual-use houses?

The down payment for commercial and residential dual-use houses is generally 50%. There is China Merchants Bank in the city. You can try to apply for a loan through China Merchants Bank. The down payment ratio and loan amount shall be subject to local regulatory policies. It is recommended to consult the account manager of the local branch in detail. Please dial 95555 to choose 3 personal customer service -3-3-8, enter the city where manual service is provided, and inquire about the telephone number of the loan manager.

Let's see what others say.

3. How to get the down payment for commercial and residential houses?

How to get a loan for a commercial and residential dual-use house and how much is the down payment? Now the down payment can be divided into: 1. In the case of the first suite, the minimum down payment can be 20% for the purchase of a new house with an area of not more than 90 square meters; 2. In the case of the second suite, the minimum down payment for purchasing the property is 60%; 3. In the case of three suites, the bank that needs a loan may not approve the loan according to the house price; 4. In other cases, the minimum down payment is 30%.

I want to buy a commercial and residential house in Guangzhou. I would like to ask how to apply for a mortgage loan by looking for a mortgage company. Dayuan mortgage is professional and convenient.

How much is the down payment for commercial and residential houses? If you apply to China Merchants Bank for personal commercial housing loans to purchase commercial and residential dual-use housing, the maximum loan/credit line shall not exceed 55% of the appraised net value of the purchased real estate or 50% of the appraised present value, and shall not exceed 55% of the transaction price. If the policies of the regulatory authorities are adjusted, it shall be implemented according to the relevant regulations of the Bank and the regulatory authorities. For the specific amount information of this loan, you can also confirm it in detail through the relevant staff when applying through the personal loan department at the counter.

Is the commercial and residential building the first suite? Commercial and residential buildings refer to the dual-purpose nature of the building. Commercial and residential buildings are generally a kind of comprehensive buildings, the ground floor is shopping malls, shops and enterprises, and the rest are residential buildings. Commercial and residential land is a comprehensive land. According to the national land law, the service life of comprehensive land is 50 years. The most important thing to pay attention to when buying a house is to look at the five certificates expressed by the developer. Five certificates refer to state-owned land use certificate, construction project planning permit, construction land planning permit, construction project commencement permit and commercial housing pre-sale permit (or commercial housing sales permit). According to Article 12 of the Provisional Regulations of the People's Republic of China on the Assignment and Transfer of Urban State-owned Land Use Rights, the maximum term of assignment of land use rights is determined according to the following purposes: 70 years for residential land; Industrial land for 50 years; Education, science and technology, culture, health and sports land for 50 years; Commercial, tourism and entertainment land for 40 years; Comprehensive or other land use for 50 years. Let me introduce Harbin Juye Real Estate: The main differences between 50-year-old property houses and ordinary houses are as follows: First, the future use cost is uncertain. If the former is used in public buildings, its water, electricity, heating and other use costs will take commercial prices. Therefore, for property buyers, ask clearly when buying a house. At present, most developers take corresponding remedial measures at the initial stage of development, which can be paid at the civil price. Second, the differences in related taxes and fees. The deed tax for the initial purchase and subsequent transfer of ordinary residential projects is 1.5%, and the house deed tax for 50-year property rights is paid at 3%. Third, the loan conditions are limited. Most of these houses cannot apply for provident fund loans, but a few projects can be done with the efforts of developers. Another 50-year-old or 40-year-old house can only get 50% or 60% mortgage if it uses bank loans. Fourth, the construction standards are different. According to the relevant requirements of public construction, the former has higher standards of civil air defense and fire protection, which will increase the cost for developers.

That depends on how you write the title certificate of this commercial and residential dual-use house, whether it is commercial real estate or ordinary residence. If it is commercial real estate, it is not two sets. If it is ordinary residence, it is two sets.

Can I get a loan for a commercial and residential house? Commercial and residential houses can be mortgaged. Loan application materials 1. Property certificate (property certificate and land certificate must be mortgaged to the bank when mortgage the bank loan) 2. Identity cards of the obligee and his spouse. Household register of obligee and spouse. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau) 5. Income certificate (this certificate has a great influence on the success and maximum amount of mortgage bank loans. 6. If the property owner has minor children, please provide birth certificate. 7. If the property has a bank loan, please provide the original loan contract and the latest bank statement. 8. In order to improve the pass rate of mortgage loan, please provide other family property certificates as far as possible (such as separate real estate license, stocks, funds, cash passbook, vehicle driving license, etc.). )

We are a commercial and residential dual-use house, we have paid the down payment, and we are processing the loan, and the loan is being approved. Hello, I'm glad to answer your question. You can write down your residential address and hope to adopt it. Thank you.

I'm going to buy a commercial and residential building, which is a commercial and residential building. How much is the down payment for commercial and residential building loans?

Now the down payment can be divided into:

1. In the case of the first suite, the minimum down payment can be 20% for the purchase of a new house with an area of not more than 90 square meters;

2. In the case of the second suite, the minimum down payment for purchasing the property is 60%;

3. In the case of three suites, the bank that needs a loan may not approve the loan according to the house price;

4. In other cases, the minimum down payment is 30%.