1. The buyer chooses a commercial loan to purchase the store, with a low down payment ratio of 30% of the appraised house price and a high loan ratio of 70%;
2. The buyer chooses commercial loans to buy more than two houses, with the low down payment ratio of 50% of the appraised house price and the high loan ratio of 50%;
3. The buyer chooses a commercial loan to purchase the commercial premises of the store, with the down payment ratio as low as 50% of the appraised house price and the loan ratio as high as 50%.
Second, the buyer's provident fund loan to buy a house:
1. The buyer chooses the provident fund loan to purchase the store, with the low down payment ratio of 20% of the appraised house price and the high loan ratio of 80%;
2. The buyer chooses provident fund loans to buy two houses, with a low down payment ratio of 40% of the appraised house price and a high loan ratio of 60%;
3. The buyer cannot use the provident fund loan when purchasing three or more houses and commercial houses.
3. The longest term of mortgage loan for general shops is 10 year.
Extended data
Application material
(1) The borrower's ID card (household registration book) or other valid proof of residence, and the married person also needs to submit personal proof of marital status;
(2) The loan applicant fills in the Application (Approval) Form for Commercial Housing Loan;
3 down payment voucher;
(four) the contract or agreement for the purchase of shops;
(5) Proof of the borrower's family property and income;
6. The identity certificate of the borrower;
⑦ Other information required by the bank.
Refer to Baidu Encyclopedia Store Mortgage