How many years can a store mortgage loan be borrowed?

How much can a store mortgage loan borrow?

The mortgage loan amount of the shop is 80% of the appraised value of the house. The term of new house loan shall not exceed 30 years, and the term of second-hand house loan shall not exceed 20 years.

Housing mortgage loan requires the service life of the house to be within 20 years; It has strong liquidity. The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China.

"Borrower's age" is generally not more than 70 years old. Basic conditions for applying for a loan:

1. A natural person with China nationality and full capacity for civil conduct;

2. Hold valid identity documents;

3. Have a stable and legal source of income;

4. Mortgaged real estate has a real estate license, clear property rights and can be listed and circulated;

5. Other conditions stipulated by the bank.

Loan amount and term:

1, and the mortgage interest rates of commercial housing can reach 80%;

2. The mortgage rate of office buildings and shops can reach 60%;

3. The mortgage rate of industrial plants can reach up to 50%;

4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses, etc.

The longest credit period is not more than 30 years, the purchased real estate period (referring to the real estate completion period) is not more than 20 years, and the loan period plus the mortgaged real estate period is not more than 40 years. The specific application time limit requires the submission of relevant materials. Second-hand housing loan/credit period shall not exceed 30 years. Your loan term is determined by the handling bank after you submit the housing loan and other related materials.

Store loan related policies

1. The credit term and loan interest rate of intellectual property rights adopt the risk pricing mechanism, and in principle, they will rise at the standard of not less than 10% on the basis of the benchmark interest rate stipulated by the People's Bank of China. According to the cash flow of the enterprise, flexible and diverse repayment methods can be adopted, including full loan repayment, full loan zero compensation and zero loan zero compensation, and repayment can be made at any time as needed. Enterprises can flexibly arrange their debts according to their own production cycle and production enthusiasm.

2. The development of intellectual property business of small and medium-sized enterprises has played a promoting role in solving the problems of scientific and technological enterprises with independent intellectual property rights, accelerating the market-oriented transformation of intellectual property rights and improving the quality of intellectual property rights. The core competitiveness of enterprises. From a more far-reaching point of view, the introduction of intellectual property rights is conducive to a deeper understanding of the value and role of intellectual property rights in practice, stimulating the innovation ability of enterprises and awakening the awareness of "intellectual property strategy". .

3. In terms of preferential policies, up to now, Beijing Zhongguancun Intellectual Property Promotion Bureau and the Municipal Science and Technology Commission have granted loans to customers who have obtained patents from Beijing Branch according to a certain proportion of the benchmark interest rate, and repaid the principal and interest on schedule.

How many years can a shop loan last?

1. Shops can borrow for up to 30 years and need real estate mortgage loans.

2. When applying for a loan from a store bank, you need the borrower's identity certificate, income certificate, store purchase certificate, mortgage certificate and other materials, as well as other conditions proposed by the bank. At the same time, after correctly submitting the application materials, the borrower should also provide a down payment certificate of more than 50% of the purchase price of the store. The longest store loan can reach 10 years.

3. The repayment method of store loans is also very flexible. If the loan term of the borrower is within 1 year (including 1 year), the principal and interest of the loan can be paid off in one lump sum or on a monthly basis. If the loan term is 1- 10 years (inclusive), the borrower shall repay the loan on a monthly basis.

4. Take Guangzhou as an example. The longest loan for shops in Guangzhou can reach 10 year. According to the regulations of various banks, the interest rates are also different, and the interest rate rises by 10%, 15% or other interest rates. It depends on the bank loan. Shops are not limited to purchase, and the second set of interest rates remains unchanged. The second set does not need to rise like a mortgage. It should be noted that the store loan interest rate has been raised. The second set of store loans, like the first set, provides relevant information to the bank for approval.

How many years can a shop loan last?

The loan period for shops is generally 5 years, and the longest loan can be 10 year. When you apply for a loan from a bank to buy a store, the interest rate will usually go up 10%-20%, and you need to pay a down payment of 50%-60%. Different banks will have different interest rates and down payment. The service life of shops is mostly forty or fifty years, and the loan period of individual commercial housing shall not exceed the remaining service life of construction land occupied by collateral.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Suggestions for loan review Every loan should be carefully reviewed, and the risk judgment of the loan should not be based on past review or credit. Just because the borrower repaid the principal and interest on time in the past, the review or investigation procedures should not be relaxed. Establish a fixed-term appointment system for the legal representative of the borrower and its main management personnel. The appointment period can be determined according to the size of the loan amount and the changes in the production and operation of the borrower. If the loan amount is large, the appointment period should be shortened accordingly. Loan officers (loan officers, members of the credit review team and members of the credit review committee) shall not engage in improper private contact with borrowers in loan activities. Credit officers and their immediate family members shall not accept the borrower's cash, precious gifts, shopping vouchers, etc. ; Shall not participate in recreational activities paid by the borrower; No expenses shall be repaid to the borrower. For loans with large loan amount and long term, or loans used by borrowers for specific purposes, lawyers, accountants and other professionals should be hired to make professional judgments and provide expert opinions on related matters.

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator. In civil law, interest is the legal fruit of principal. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank. The general amount is an integer multiple of 10000 or 10000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

How many years is the loan period of the shop?

At present, most cities in China have implemented the policy of restricting loans and purchases, but most of this policy is aimed at this person's housing, and for commercial real estate such as shops, it is restricted loans and purchases. So many investors will choose to buy shops. The price of shops is also relatively expensive, so we will choose to borrow money from banks. How many years can a shop keep? Next, Bian Xiao will briefly introduce it to you.

1. Shops are a kind of commercial real estate. If you buy a shop with a loan from a bank, the loan period is generally 5 years, and the longest loan can be 10 years. The interest rate of loan shops will be higher than that of ordinary houses, generally rising by about 10-20%, and the down payment ratio is mostly around 50-60%. Loan interest rates of different banks. The down payment ratio is different. You need to ask the relevant staff of the loan bank for the specific amount.

2. Like residential loans, when we apply for mortgage loans for shops, we must have legal and valid ID cards, stable jobs and incomes, sales contracts, adequate down payment, collateral recognized by the bank and other requirements of the lending bank. Buying a shop can't be a provident fund loan, only a commercial loan. And some banks do not support shop loans.

3. Compared with buying ordinary houses, buying shops needs to pay more taxes and fees. For example, 3%-4% deed tax; 550 yuan/Ben's house registration fee, 0.05% contract stamp duty; 5.65% business tax, 20% personal income tax and so on.

4. Because shops in many areas are not limited to buying, many people will choose to buy shops for investment. When buying a shop, we must pay attention to the land use right of the house. Generally, the right to use shops is only 40 or 50 years. If the developer holds it for a longer time, the service life of the shop will be shorter.

Bian Xiao concluded: How many years have you had store loans? Bian Xiao just gave a brief introduction here. I hope that after reading this article, you can have an understanding of shop loans.