I want to buy a shop (not an auction house). Can I use all the bank loans?

You can use the purchased shops to mortgage loans, but not all of them. The regulations of all banks are similar, and the down payment must be 40-50%, that is, only 50-60% of the loan evaluation price can be approved. The loan interest rate rises on the benchmark interest rate of housing loan 10-30% (now the bank is short of funds, and the rising range will be large), and the longest time is 10 year.

Operation method: provide real estate license, land certificate, sales contract, tax payment voucher, purchase invoice, real estate assessment report (the loan officer will help you), ID card, marriage certificate, household registration book, and proof of income of both husband and wife of the property owner, and go directly to the bank credit department to find the loan officer to handle it. Because of the high income of banks, such loans are favored by banks at present.