How much can Wuhan commercial loans lend to Wuhan shops?

My parents are from Shandong. Can I buy a house in full in Wuhan? If not, can I get a loan to buy a shop?

As long as your parents can provide Wuhan's tax bill or social security record for more than one year, they have it.

Eligible to buy a living room in Wuhan;

If there is no social security or tax payment certificate for more than one year, the purchase of shops is not restricted.

Commercial real estate is not within the scope of purchase restriction and loan restriction. Buy a shop in full, anyone in China can buy a shop in any city, and there is no limit to purchase or loan;

However, to buy a house with a loan, parents must work stably in Wu Hanyou and have a stable income; And the income must meet the monthly repayment standard (for example, if you repay 5,000 yuan per month, the income certificate issued by your parents in Wuhan must be greater than 1 10,000 yuan); The income certificate must have the official seal of Wuhan enterprise;

If you meet the above conditions, you can buy a store!

I hope it helps you!

How to borrow a loan from a shop?

Legal analysis:

You can apply for a store loan from the bank. When applying for a shop loan, you need the borrower's identity certificate, income certificate, shop purchase certificate, mortgage certificate, etc. And other conditions that banks need to meet. At the same time, after submitting the application correctly, the borrower also needs to provide a down payment certificate of more than 50% of the house price of the purchased store. The longest loan for shops can be 10 years. As long as the loan can be repaid and the repayment ability is good, you can submit an application to the bank according to the normal loan process.

The repayment method of shop loans is also very flexible. If the loan term of the borrower is within 1 year (including 1 year), the borrower can pay off the loan principal and interest in one lump sum or repay the loan monthly. If the loan term is 1- 10 years (inclusive), the borrower shall repay the loan on a monthly basis. There are two repayment methods for monthly repayment: decreasing average capital interest method or monthly repayment method. Moreover, the lender can also choose to prepay in whole or in part according to the operating income.

Legal basis:

Article 672 of the Civil Code of People's Republic of China (PRC), the lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

What relevant documents do I need to apply for to buy a shop in Wuhan?

First, the purchase of shops generally emphasizes that three certificates and five certificates are complete! Five certificates tend to verify the qualification of the developer and the legality of the project (pre-sale certificate is more important), and three certificates are house ownership certificate, land ownership certificate and deed certificate, which are the documents that must be handled when buying shops.

General developers will clearly assist in the contract. Basically, you don't have to go through any formalities yourself, just some mortgage procedures at most. When you buy a shop, there will naturally be guidance and suggestions from developers to banks. The most important thing is to see if the five certificates of this project are complete, which is related to whether you can successfully get the three certificates, and then see if the developer has the obligation to handle the three certificates in the house purchase contract, otherwise it is basically impossible to do it yourself!

Second, when signing a shop sales contract, pay attention to:

1, for the house. See if it is a real business, and indicate it in the contract;

2. Share the area. The pool area of shops is generally 30%-40%, or even 50%. Therefore, for shop buyers, the unit price of shops is higher than that of houses. If the error is allowed within a certain range, it may also bring tens of thousands of yuan of price changes. It is suggested that buyers choose the method of calculating the unit price according to the use area, and clearly stipulate the size of the pool area and the ownership of property rights in the contract to determine the planning and design of public parts. At the same time, let developers agree in the purchase contract that the pool area of shops is too large or too small;

3. Property management. Many property buyers and developers focus on the property management of shops, which is also a link that property buyers easily ignore when buying shops;

4. Terms of delivery. The real estate conditions of commercial properties are very important for investors to attract investment and operators to operate in the future. When signing a shop contract, the conditions such as the flat layout of the property, floor load-bearing, parking space, fire protection, advertising space, passenger and freight elevators, entrances and exits, permeability, display surface, column spacing, floor height and supporting facilities should be specially agreed, and attention should be paid to acceptance when handing over the house.

Third, a considerable number of people are interested in the promise of the director when buying a shop, such as after-sales charter, what percentage of annual return. It should be noted that according to Article 11 of the Measures for the Administration of Commercial Housing Sales of the Ministry of Construction, real estate development enterprises are not allowed to sell uncompleted commercial housing by after-sales charter or disguised after-sales charter. The real estate market is risky, and buyers should carefully evaluate the possibility of fulfilling the director's promise.

4. Loans and other taxes. Shops have low loans, short service life and relatively high loan interest rates, and banks are stricter in examining the qualifications of shop lenders than houses. Therefore, buyers should consider the pressure when the loan cannot be realized; The purchase of shops should pay deed tax of 4% of the total house price, in addition to contract stamp duty, business tax, land value-added tax and personal income tax.

How to borrow money to buy a house? Is there a down payment rule?

Buyers can take out loans. Property buyers can borrow 10 years, because it is an investment property, so there is no difference between the first set and the second set.

Generally, the minimum down payment is 40-50%, and the maximum loan does not exceed 60% of the total price of the store.

Specific personal income and personal bank credit status, as well as local banking policies, fluctuate 10%-20%.

Commercial loan application conditions:

(1) has legal and valid residence status;

(2) A contract or agreement for the purchase of a store;

Have a stable occupation and income, good credit, and the ability to repay the principal and interest.

4, the purchase price is not less than 50%;

5. Agree to use the purchased store as collateral, or the assets recognized by the loan bank as collateral, and the mortgage or personal guarantee qualification and sufficient compensatory ability as the loan principal and interest and guarantor. Responsibility.

Application information:

(1) If the borrower's ID card (household registration book) or other valid proof of residence is valid, the married person shall also submit personal proof of marital status.

(2) The loan applicant fills in the Application Form for Commercial Housing Loan (for approval).

The first payment voucher;

(four) the contract or agreement for the purchase of the store;

(5) Proof of the borrower's family property and income;

(6) the identity certificate of the borrower;

Other information required by the bank.

Store mortgage down payment must be higher than 50%, and the interest rate should not be lower than 10%. The so-called 50% is calculated according to the value of the store you want to buy.

Shops mortgage is different from ordinary housing mortgage (mortgage property, the loan amount is generally 65%-70% of the value of real estate assessment). The interest rate is as high as 15%-30%.

The longest store can borrow 10 years. Because it is an investment property, there is no difference between the first set and the second set.

The minimum down payment is 50%, the maximum loan is 50%, and the lowest interest rate is 10%, depending on personal work income and personal bank credit, as well as local bank policies, ranging from 10% to 20%.

In the case of floating 10%, the interest rate is 7755% (for example, the benchmark interest rate is 7,05), and the highest interest rate is 15%: the interest rate is 8 1075%, up by 20%: the interest rate is 8,46.

For example, if the loan is 500,000 yuan and the loan term is 10 year, the difference between the maximum monthly supply of the two is less than that of 200 yuan. The deed tax in most cities is 4% yuan and 40,000 yuan. Some cities charge 3% and need 30,000 yuan. The minimum charge standard of maintenance fund is 2% yuan, which needs 20,000 yuan. There is also a handling fee of 30 thousand yuan and 3% The charge in this respect is generally in 30 yuan -90 yuan/m2, which is generally different in different provinces and cities.

What is Wuhan mortgage policy?

Before buying a house in Wuhan, many people will pay attention to the local mortgage policy, such as how much down payment is required to apply for a housing loan, what is the interest rate of the mortgage, and whether there are any concessions. So what is the mortgage policy in Wuhan? Next, Bian Xiao will briefly introduce it to you.

1. According to the relevant policies and regulations of Wuhan property market, I have no room in Wuhan and have not applied for a loan. When buying the first house, the minimum down payment ratio is 30%, and the minimum down payment ratio of the second house is 50%. If you buy an unconventional house, such as a high-end house with a building area of more than 144 square meters, the minimum down payment ratio is 70%. If you buy a shop, the minimum down payment ratio is 50%, and the maximum loan can only be 10 years.

2. At present, Wuhan's non-restricted areas implement the policy of recognizing loans and not recognizing houses. Only after paying off the mortgage, can you apply for a house again as the first home, and the minimum down payment ratio is 20%. If you buy two houses, the minimum down payment ratio is 40%. You can't get a loan if you buy a third house in a non-restricted area.

3. The mortgage in Wuhan also needs to look at the relevant policies of local banks. Banks such as Bank of China, Postal Savings Bank and Agricultural Bank of China implement the benchmark interest rate for the first suite, and the second suite rises by about 10- 15%. Among them, Minsheng Bank, Industrial and Commercial Bank of China and other first suites can enjoy a 15% discount on interest rates. Specific loan interest rates and discounts need to be consulted with the bank.

4. If you apply for a provident fund loan, the minimum down payment ratio for purchasing the first suite is 20%, and the maximum loan amount can reach 700,000. The minimum proportion of buying a second suite is 30%. You can apply for a loan of up to 500 thousand.

Regarding Wuhan's mortgage policy, Bian Xiao will briefly introduce it here. I hope that after reading this article, I can provide you with reference. When applying for a housing loan, you can ask about the mortgage policies of several banks and apply for a housing loan from the local bank with the lowest down payment and the most favorable interest rate.

This concludes the introduction of how much money shops and commercial loans in Wuhan can borrow. I wonder if you have found the information you need?