As for your question, it's like this:
First, you can mortgage a second-hand house. But there is one condition: the commercial house you want to buy must have a hukou book, because you need to use it as a mortgage. If there is no real estate license, it will be very troublesome.
Loan amount: Under normal circumstances, the first suite can pay off 80% of the loan price in 5 years/10 years/15 years /20 years /25 years /30 years, with a down payment of 20%.
You have to pay the bank insurance premium, the transaction fee per square meter of 6 yuan, the cost of the real estate license and other six expenses;
What's more, the current situation in Gu 'an is that you haven't asked for business tax, which can save a lot of money.
There is also a general garage/attic/basement within the scope of Gu 'an, which is not marked in the room book.
If you have anything you don't understand, I'll tell you as much as I know.