Solution 1: Shops can only be commercial loans, and the longest loan can only be ten years. As for the landlord's saying that he will pay a down payment of 6.5438+0.5 million, it depends on the total price of the shop you bought, and whether to make a low-selling contract. The down payment ratio of shops must be 50%, that is, the down payment must be half of the total house price. If the transaction price is lowered for tax avoidance, and the down payment ratio will go up again, then whether the down payment is 1.5 million depends on the total price of your store.
Solution 2: After the store is bought, it can be rented out before the loan is fully paid off. You still have a real estate license if the loan is not paid off; You can prove that this shop is yours by having a real estate license. If your store earns a good income, the rent may be used for monthly payment. Also, as long as the property ownership certificate comes down, the address of the store can be registered as a company, but the premise is that if the store has registered a company before, it must move out of its company before it can be bought and sold, otherwise there cannot be two companies with different ownership in an address.
Option 3: You can resell the loan before it is paid off, but only if a buyer buys your store and he has to pay you a part of the deposit, and you can use the money to repay the loan. If it is not enough to repay the loan, you can negotiate the amount of the deposit with the buyer, and you must pay off the loan before the transaction. After signing the contract, the buyer can continue to apply for a loan. To put it bluntly, the next household will repay your loan with his money, and he will apply for the loan himself.
Solution 4: If you buy through an intermediary, the intermediary fee will be charged according to the regulations of each city. You can consult the local administration for industry and commerce. Shanghai charges 1% of the total house price. As for the taxes and fees arising from the sale, you only need to pay deed tax+stamp duty+handling fee, that is, (3.55%* of the total house price).
Solution 5: Will it affect my future purchase of a house (I don't have my own house yet)?
No matter how many houses you have, you can buy them as long as you have money, but the third mortgage is stopped, no matter whether your previous house is a commercial property or a residence.
Solution 6: What problems should we pay attention to when buying second-hand shops?
This concern is of course the problem of the store you bought. Store property rights are clear and unclear. Does the store have investment value (is the return on investment high? ), whether there is room for appreciation, the room rate of shops,
The location of the store is good, etc., and you need to inspect it yourself.
Solution 7: Can this store be divided into two parts and rented to two people respectively? Is there any way for two people to register their business licenses with this store address? (For example, the store is 4- 17, and it is written as 4- 17A, 4- 17B when renting).
Answer; This is unacceptable. Your property address has been filed with the government, and only one business license can be registered at a business address. But you may also see two or more families running businesses in a shop, but here you know very well that only one business license is legal. As for why it can be opened, there is either no business license or a hard relationship, and people can do it. In fact, as long as it does not involve production and processing, it is also turning a blind eye.