Changsha store loan down payment 50%. Personal shops are provided with mortgage loans by banks, and the term does not exceed 10 years. However, in some commercial projects, the developer can help you pay part of the expenses first, such as 30% in advance and 20% in advance, and you only need to pay back the money within the specified time.
If you buy a shop, you can borrow up to 50% of the contract price; If it is a second-hand shop, the highest evaluation value is 50%, which is not necessarily the actual amount you need to borrow, and this evaluation value cannot be determined as the actual amount you need to borrow.
2. Where can I rent a facade room in Changsha now?
Look at your service, these materials are very detailed, and you can recommend the facade. Otherwise, you can go to the special facade shop information website to look for it. Like to rent a house, word-of-mouth rental, xiaoxiang morning herald.
Third, how much is the down payment for the loan facade? The down payment is generally from 50%
Facade houses, that is, shops, are commercial housing loans for business purposes. Naturally, you can't apply for provident fund loans, but you can apply for commercial loans from banks. As for the down payment of the loan facade, you only need to know the bank's commercial housing loan standard. Well, let's have a look.
1. How much is the down payment for the loan facade? The loan for facade houses is generally implemented according to the standard of the second suite, that is, the minimum down payment is 50%, the loan interest rate rises by 10% on the basis of the benchmark interest rate, and the longest loan period does not exceed 10 years. For example, if the price of the facade house is 6.5438+0 million, then the minimum down payment is 500,000, and then the loan is 500,000. Note that if the loan facade house is a new store, the down payment is 50% of the contract price; If the facade is second-hand, the down payment is 50% of the evaluation price, which refers to the evaluation value of the facade by the loan bank, not necessarily the actual transaction price. Second, how much is the down payment for the commercial and residential facade? Generally, the loan for facade houses will be implemented according to the down payment standard for commercial houses, but some banks will make a slight difference between commercial and residential houses, such as China Industrial and Commercial Bank, where the maximum loan for commercial and residential houses can reach 55% of the value of the houses purchased, that is, the down payment is 45%. Three. Other expenses of loan facade house 1. Deed tax: generally 3% of the transaction price; 2. Stamp duty: generally paid according to the transaction price; 3. Handling fee: Generally, the transaction price is above the relevant content of "how much is the down payment for the loan facade house". Compared with the loan house, the down payment threshold of the loan facade house is still much higher. Plus other expenses, it is suggested that the fund preparation can be sufficient.
4. 100 square appearance room10.2 million down payment, how much is the monthly repayment of 400,000 yuan?
1. The transfer fee of facade property is as follows:
1, registration fee
Non-residential, 550 yuan/Suite.
2. Transfer fee
The non-residential property shall be paid at the rate of 18 yuan/m2, and each party shall bear 50%.
3. Deed tax
Pay by 3% of the transaction price.
4. Business tax
The commercial house shall be paid at 5.65% of the difference.
5. Personal income tax
Individuals who sell the only family house for five years shall be exempted, and others shall be paid at 20% of the difference or 0% of the total amount of 65438+.
6. Land transfer fee
Transfer of allocated residential land shall be paid according to the transaction price 1%.
7. Stamp duty
The real estate license shall be delivered to 5 yuan with decals.
8. Production cost
Exempt from issuing certificates; Pay 10 yuan/for each additional certificate.
Two, according to the provisions of the "housing registration measures":
Article 4
Housing registration shall be handled by the housing registration agency where the house is located.
Article 13
* * * If there is a house, it must be registered * * *, and someone is registered * * *.
* * * If there is any change registration of house ownership, it can be applied by relevant * * *. However, if the nature or share of the * * * owner changes, the * * * owner * * shall apply.
Article 33
To apply for registration of house ownership transfer, the following materials shall be submitted:
(1) Application for registration;
(2) the identity certificate of the applicant;
(three) all of the housing or real estate ownership certificate;
(four) materials to prove the transfer of ownership of the house;
(5) Other necessary materials.
The materials mentioned in Item (4) of the preceding paragraph may be sales contracts, exchange contracts, gift contracts, bequests, inheritance certificates, division agreements, merger agreements, legal documents that come into effect by the people's courts or arbitration committees, or other materials that prove the transfer of house ownership.
Three. According to Article 7 of the Regulations on the Administration of Urban Real Estate Transfer
The transfer of real estate shall be handled in accordance with the following procedures:
(a) the parties to the real estate transfer signed a written transfer contract;
(two) the parties to the real estate transfer shall, within 90 days after the signing of the real estate transfer contract, declare the transaction price to the real estate management department where the real estate is located with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents;
(three) the real estate management department to review the relevant documents provided, and make a written reply whether or not to accept within 7 days, 7 days without a written reply, as agreed to accept;
(four) the real estate management department to verify the declared transaction price, and according to the need to conduct on-the-spot investigation and evaluation of the transferred real estate;
(five) the parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the provisions;
(six) the real estate management department shall go through the formalities of housing ownership registration and issue the certificate of real estate ownership.