How to calculate the office loan

Xiamen office loan interest rate is 5.39%.

1, which will float on the benchmark interest rate of central bank loans, generally floating 10%. The benchmark interest rate of loans is:

2. The loan interest rate within1year is 4.35%.

3. The loan interest rate within1-5 years is 4.75%.

The interest rate for loans over 3.5 years is 4.90%.

I would like to ask how many years can I borrow money to buy an office building?

Buying an office building can be loaned for ten years, and the longest loan period for commercial housing is 10 year. General office buildings will not provide loans because of the high mortgage amount and complicated review process and requirements, but they can generally provide loans for 10 years, with a down payment of 50% and a mortgage interest rate of 1.5. In general, non-residential is 50% 10 year.

In addition, office buildings can be mortgaged, and real estate mortgage refers to the types of loans made by borrowers using their own or third-party properties (including houses, office buildings, shops, factories, etc.). ) as a mortgage for personal comprehensive consumption, it is repaid by mortgage.

It should be noted that you cannot use provident fund loans to buy office loans. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. At present, the housing that can apply for housing provident fund personal loans does not include office buildings.