Guangzhou shangpu loan

How much can a store mortgage loan be borrowed and how many years can it be borrowed?

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. 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. Taking 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.

What budget should Guangzhou Jiayi Garden shops make before buying, and what conditions do they need to purchase houses with provident fund loans?

Hello, I'm glad to answer your question about Jiayi Garden.

Before buying a house in Jiayi Garden, you should correctly estimate your personal strength and keep enough living expenses. Make an adequate budget plan. Include: 1. Accurately estimate personal assets and household disposable income. 2. Choose a Jiayi Garden store with suitable room type, price and area. 3. Calculate all taxes and fees when purchasing Jiayi Garden Store. 4. Carefully consider the property management fee of Jiayi Garden Store. 5. Carefully estimate the repayment ability. 6. Budget the decoration and maintenance expenses of Jiayi Garden Store.

The conditions for purchasing Jiayi Garden Store with provident fund loans include: 1. The borrower must have an account in the city where Jiayi Garden Store is located; 2, usually income should be stable, good credit, have the ability to repay the loan; 3. There is a legal contract or agreement to purchase the house occupied by Jiayi Garden Store, and there is a prescribed proportion of self-raised funds; 4. The assets specified in the Guarantee Law are mortgaged or pledged for the purchase of Jiayi Garden Store; 5. Agree to handle the purchase guarantee or mortgage property insurance; 6. Agree to other conditions stipulated in the housing provident fund management.

The above information is for reference only. If you have a better answer, please fill it in. If you have any other questions, you can ask them in the Q&A section in the first half. Or contact a broker to answer them. I hope I can help you and wish you a happy purchase!

What are the conditions for purchasing shops and houses in Guangzhou Jixiang North Street with provident fund loans? Is it clean?

Hello, I'm glad to answer your question about the shop in Jixiang North Street.

The conditions for purchasing shops in Jixiang North Street with provident fund loans include: 1. The borrower must have an account in the city where the shop in Jixiang North Street is located; 2, usually income should be stable, good credit, have the ability to repay the loan; 3. There is a legal contract or agreement to purchase the self-occupied houses of shops in Jixiang North Street, and there is a prescribed proportion of self-raised funds; 4. The mortgage or pledge of assets stipulated in the Guarantee Law is used to purchase shops in Jixiang North Street; 5. Agree to handle the purchase guarantee or mortgage property insurance; 6. Agree to other conditions stipulated in the housing provident fund management.

Shops in Jixiang North Street are buildings with high greening and beautiful environment, adhering to the people-oriented design concept. Therefore, the sanitary environment of shops in Jixiang North Street is very clean. In addition, shops in Jixiang North Street have professional property management teams, which are responsible for the environmental sanitation of shops in Jixiang North Street. Therefore, the shops in Jixiang North Street are very clean.

The above information is for reference only. If you have a better answer, please fill it in. If you have any other questions, you can ask them in the Q&A section in the first half. Or contact a broker to answer them. I hope I can help you and wish you a happy purchase!

Guangzhou store loan and Guangzhou store loan policy come to an end. I wonder if you have found the information you need?