Can shops mortgage things other than houses (what property can be mortgaged)

1. Can shops be mortgaged except houses? What property can be mortgaged? )

The analysis of commercial and residential property charges can not be purely superficial, but should focus on its roots. There are many differences between ordinary houses and ordinary commercial buildings. There are ordinary and high-end houses, elevators and elevators, and so on. It is more difficult to distinguish commercial buildings, because there are huge differences between many commercial buildings. Therefore, we can't simply say the attributes of residential and commercial buildings. There is no comparability in one sentence. Secondly, it depends on the service contract, which is the standard and basis for you to collect property fees and implement services. Finally, there are some extra services. The above contents can explain their respective expenses, but they cannot be confused. As for the energy fee, it has nothing to do with the property fee. The state stipulates that energy-using units should charge users. As early as a long time ago, the collection and payment of property management fees was cancelled. So we can't simply say their price.

2. How to handle the mortgage loan of ICBC Xiamen residential storefront? What are the requirements?

Just take the real estate license and ID card to the bank, and the bank needs to evaluate the value of the property. You can make the next payment.

3. Can the store handle the mortgage?

Of course. Shops can apply for mortgage loans, and they need to apply for loans through real estate mortgage or business license. Shops mortgage loan refers to the short-term loan business provided by banks to borrowers to meet their production, operation, investment or consumption needs, with commercial premises legally owned by borrowers or third parties as collateral. Therefore, as long as the store meets the conditions of mortgage loan and the documents are complete, the applicant also meets the conditions for applying for loan. If it is a shop for rent, you can also apply for a mortgage loan at the bank. [Legal Basis] Interim Measures for Personal Loans Article 11 To apply for personal loans, the following conditions shall be met: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Fourth, can the loan shop still make mortgage loans?

It may be difficult to find a formal bank, and it is easier for private institutions such as companies or guarantee companies to pass. Of course, the interest rate is also more expensive.