Thinking of mortgaging a store in Chengdu, how much can you borrow on a home mortgage?

I. How much can you borrow on a Chengdu store mortgage?

Currently, Chengdu store mortgages can be lent up to about 60% of the appraised value of the store, that is, the appraised value of the store is 1.6 million, then the mortgage amount is about 960,000 yuan. The amount of store mortgage depends on the lender's credit history, income, collateral value, etc., store loans can be up to 30 years, want to know their store mortgage amount friends can call the customer service hotline for free consultation.

Two, Chengdu store mortgage interest rate is how much?

Chengdu's store loan interest rate is based on the benchmark interest rate of about 10%, the specific interest rate is as follows:

1, short-term there are two kinds of: six months, including six months of loan interest rate of 6.16%; six months of loan interest rate of less than a year is 6.6%;

2, medium and long term there are three kinds of: 1 to 3 years of loan interest rate of 6.76%; 3 to 5 years of loan interest rate of 7.04%; 3 to 5 years of loan interest rate of 7.04%; 3 to 5 years of loan interest rate of 7.04%. year loans at 7.04 percent; and loans over five years at 7.21 percent.

From the above data it can be seen that the shorter the loan the lower the interest rate, the interest rate of the loan is higher than the prime rate, so the loan must be reasonable before planning their repayment time.

Three, Chengdu store mortgage application conditions are?

1, the borrower's age between 18-60 years old, with full capacity for civil behavior;

2, can provide valid proof of identity, and have a fixed place of residence;

3, has the ownership of the mortgaged store;

4, has a good credit record;

Chengdu mortgage house can be mortgaged loan? How to get a loan?

In everyone's side of the mortgage should be more common when the loan method, the mortgage house mortgage and how many people understand? Probably a lot of people do not know the mortgage house can also be used for mortgage loans, in fact, the mortgage house in addition to a little less than the normal mortgage amount, but also can be used in daily life in an emergency, today's crowd

5, have a certain source of income, with the ability to repay the loan principal and interest;

6, the mortgage store property rights clear, can be listed on the market for trading normally;

7, the bank requirements Other conditions to be met.

Four, Chengdu store mortgages need what information?

1, the lender and spouse ID card, the original household registration and copies;

2, the lender's marital status certificate and copies;

3, the family real estate, car ownership documents and copies of ownership, and other assets to prove the material;

4, the individual's main bank account in the last 6 to 12 months statement;

5, the workplace income Proof;

6, appraisal report;

7, other information required by the lending institution.

Fifth, Chengdu store mortgage where can I apply?

Chengdu want to easily handle store mortgages friends can go to the crowd pusher consulting, we are a formal loan company, you are welcome to site visits, to our company for simple business processes, fast approval, short disbursement time, store mortgages can be easily dealt with, there are more loan benefits waiting for you to unlock, there are store mortgages mortgage needs of the friends can call the crowd pusher customer service hotline The company's website has been updated and is available for free consultation.

How much can I borrow for a second home mortgage in Chengdu?

Property mortgage is the preferred way for many people to solve the problem of large sums of money, compared with credit loans, property mortgage has a lower threshold and higher amount. We all know the real estate mortgage, then you know the second-hand house can also be used for mortgage? In fact, the second-hand house mortgage is also a solution

What is the interest rate of business loans?

Nowadays, the bank's annual interest rates for loans are as follows:\\ Within six months (including six months) loan 4.85% \\\\ Six months to one year (including one year) loan 4.85% \ One to three years (including three years) loan 5.25% \ Three to five years (including five years) loan 5.25% \ More than five years loan 5.40% \\\ As for the length of the year, to give you an analogy, the loan 100,000, mortgage 20 years and 30 years equal principal and interest repayment method of the monthly payment and the total interest paid are as follows: \ \ \ Equal principal and interest repayment method 20 years: \ Total loan amount 100000.00 yuan \ Repayment months 240 months \ Monthly repayment of $ 682.25 \ Total interest paid $ 63740.38 \ Total principal and interest paid 163740.38 \ \ \ Equal principal and interest repayment method 30 years: \ Total loan amount 100,000.00 \ Repayment months 360 months \ Monthly repayment 561.53 \ Total interest paid 102,151.09 \ Total principal and interest 202,151.09

What's the difference between a commercial loan and a residential loan

Difference between a commercial loan and a residential loan:

1, Residential loans include commercial loans, now the residential loan is with commercial loans and provident fund loans;

2, in the loan time, stores require the main body after completion and acceptance, housing requirements to obtain a pre-sale certificate or topping out;

3, in the proportion of the down payment, residential low 30%, stores low 50%; loan period: stores long 10 years, residential long 30 years;

4, in the loan interest rate, stores are generally up 10%, residential is generally down 15%; you use the home mortgage, can be mortgaged for decades: residential low 30%, stores low 50% loan life, and then the rest to the bank to mortgage, stores long 10 years, residential long 30 years loan interest rate.

Extended information

①Personal store mortgage refers to the borrower's own or third-party legally owned commercial premises on the street as collateral security for the loan, by the Bank of the short-term loan provided to meet the needs of its production and operation, investment or consumption business.

②Housing loans are any form of loan support provided by banks and other financial institutions to home buyers for the purchase of a home, usually using the purchased home as collateral. According to the source of loan money is divided into two types of provident fund loans and commercial loans.

How much can I borrow on a second home mortgage?

I believe we all know that the second-hand home mortgage is one of the common loan methods, then, some people have questions, apply for a second-hand home mortgage can be how much money? What is the amount of the second home mortgage?

The maximum loan period for a second-hand house is not more than 30 years; the loan amount is 70% of the appraised value of the house; the expected annualized interest rate of the loan is in accordance with the expected annualized interest rate of loans of the same grade for the same period as stipulated by the People's Bank of China, and the expected annualized interest rate of the base year is 5.94%

Usually, the older the age of the house, the lower the amount of the loan is.

Banks provide real estate mortgage loans for second-hand houses, generally on the house itself and the lender have stipulated more stringent conditions, while the age of the house is one of the important factors in its consideration. According to the banking industry, the age of the second-hand housing has become many banks to issue loans a review of the standard, the general age of more than 20 years of real estate to choose the lending bank is more difficult, because the longer the age of the housing appreciation of the preservation of the value of the space is smaller, the general approval of the loan of the number of the lower, and may not even be a loan.

Besides age, there are other factors that can affect a loan application. Location, price, and size are all major factors in a bank's approval of a loan. A home in a remote location, with a low unit price and small area, will generally have a lower loan-to-value ratio and may not even be eligible for a loan.

Like the age of the lender, the age of the property also affects the loan tenure. Depending on the type of property, the maximum loan-to-value ratio is also affected. For example, the highest loan-to-value ratio for mortgages on individual commercial properties is 70%. While the highest mortgage loan-to-value for office buildings and stores is only 60%; the highest mortgage loan-to-value for factory buildings is only 50%. And the term of the mortgage loan for new houses does not exceed 30 years, and the term of the mortgage loan for second-hand houses does not exceed 20 years.

What is the down payment and loan interest rate for shops

Fifty percent down payment for stores. The maximum term of a personal store mortgage loan offered by a bank cannot exceed 10 years. But some commercial projects developers can help you first help you advance part of the down payment of 30% and then the other 20% developers first help you advance you as long as in the specified time to pay back the money on

If the purchase is a first-hand store, the maximum loan contract price of 50%; if it is a second-hand store, then, at most, can be loaned appraisal of 50% of the valuation of the appraisal price, the appraisal price may not necessarily be the actual amount of the transaction, it can be the actual amount of the transaction, you need to loan The actual amount can be the amount of loan you need and the affordability of the relevant taxes and fees to determine.

The store is a real estate dedicated to commercial business activities, is the operator to provide consumers with goods trading, services and experience of the place. Broadly speaking, the concept of stores, the scope of the concept includes not only retail business, but also entertainment, catering, real estate used in tourism, profit-making exhibition halls, sports venues, bathrooms, as well as banks, securities and other business with the physical presence of the building of the business transaction place.

Source Baidu Encyclopedia Shops

Bank home mortgage interest rates and conditions?

Home mortgage is a RMB loan in which the borrower pledges his purchased commercial housing and the lending bank provides the borrower with a package of financial services to meet his various needs for purchasing a home, parking space, large consumer durables, automobiles, and home renovation. The maximum loan period for a new home loan is not more than 30 years, and not more than 20 years for a second-hand home; the loan amount is 70% of the appraised value of the home; and the loan interest rate is in accordance with the People's Bank of China's stipulated interest rate for the same period of the same class of loans, the benchmark annual interest rate is 5.94%. Secondly, as a real estate mortgage what conditions are needed: housing mortgage conditions: the age of the house within 20 years; the area of the house of each bank requirements vary; the house should have a strong liquidity; general requirements of commercial housing, apartments, stores, office buildings. The basic conditions for applying for a loan: 1, with the people's **** and national nationality and full capacity for civil behavior of natural persons; 2, hold a valid identification documents; 3, with a stable, legitimate sources of income; 4, the mortgage property has a real estate license, clear title, can be listed on the market circulation; 5, the bank stipulated by the other conditions

About the interest rate on the loan of second-hand stores and second-hand store loans on the introduction of this on the The end, I do not know you find the information you need from it?