The store is a commercial store, you can run your own business or you can rent it out to others to collect rent. In the past, there is a "one store to raise three generations", but now seems to be different, many people are afraid to buy stores. There are a lot of doors in the store, so you need to know well in advance. Then buy store cost-effective? What are the costs of buying a store? Buy store can be loaned? The following take a look at it.

A, buy store cost-effective

Buy store cost-effective? Store, if you do not have more than enough strength, as well as the ability to recognize, then it is easy to buy no value, and even difficult to get rid of the store. Stores need to have the following requirements:

1, try to find stores in the first and second tier cities, because stores look at the location and the flow of people, for the third and fourth tier cities, the flow of people is in a constant state of outflow, while the first and second tier is the inflow.

2, stores look at the spending power, so the consumption power of the first and second tier cities is very strong, but the third and fourth tier cities are relatively weak.

3, store as much as possible to buy can be heavy catering, by the first floor along the street, after all, now the impact of e-commerce entity is very strong, and only heavy catering to be able to have more of the market, so if you have a heavy catering attributes, often the rent and the rate will be a little higher.

4, store don't buy chartered, also try not to buy shopping mall type store, because chartered too many cats and dogs, shopping mall type store if it is not a large and powerful developer, easy to become dead store.

5, be sure to buy the rent and sale rate of 7% or more of the store, that is, 5-10 years in the rent + appreciation of the proportion of space, because for the store, not to be able to achieve more than 7% of the qualifying line, there is no need.

Second, what are the costs of buying a shop

Shop costs are the taxes and fees associated with the purchase and sale of commercial properties in real estate trading activities. According to the nature of the store can be divided into new developers store (developer development and sale of commercial property) purchase and sale tax and second-hand store purchase and sale tax and fee; according to the tax burden can be divided into the buyer's tax and seller's tax; according to the nature of the tax and fee can be divided into the transaction tax and transaction fee, and so on.

Buyers pay:

1, real estate transaction fees: 5 yuan / square meter for ordinary residential, non-ordinary residential 11 yuan / square meter.

2, housing registration fee: 550 yuan / book (each additional certificate is charged at 10 yuan per copy of the cost of labor).

3. Stamp Duty on Warrant: 5 Yuan/book.

4, Stamp Duty: 0.05%

5, Deed Tax: Transaction price (or appraisal price) x 4%.

Sellers pay:

When sellers sell, stores, regardless of the number of years, have to pay the following kinds of taxes:

Real estate transaction fee of 3 yuan/square meter.

Stamp duty: 0.05 percent of the property price of the house.

Three, buy store can loan

Buy a store is still quite good, but open store needs the initial investment is relatively large, so only through the store loan, ease the pressure on the aspect. And buy a store can loan? Now we will come together to understand it.

1, first of all, store loans are commercial real estate loans, not personal housing loans, so you can not use provident fund loans. Purchase of stores is available for commercial loans, you can borrow from the loan company, if their own conditions are better, recommended to the bank loan to buy stores. When applying for a bank loan for a store, you need the borrower's proof of identity, proof of income, proof of purchase of the store, proof of mortgage and other information, as well as the need to meet the other conditions set by the bank. The borrower is also required to provide proof of down payment of at least 50% of the purchase price of the store after the application is properly submitted. The loan can be taken for a period of up to 10 years.

2, as long as the loan can be repaid, good repayment ability, in accordance with the normal loan process to the bank to submit an application. It is understood that buy store can apply for bank loans, but must meet the following conditions: the borrower has full capacity for civil behavior, can provide a valid identity document; have the ability to repay the loan principal and interest; personal credit record is good; there is a contract or agreement on the purchase and sale of commercial property; there is a certain percentage of the down payment; other requirements of the bank.

3, the current commercial banks to provide personal store mortgage loans more than 60%, the loan period can not be longer than 10 years, according to the current commercial loan interest rates, more personal housing loans a little bit. In addition, because of the store belongs to the sex property, so there is no first suite, second suite points, that is to say, even if you buy the store is the first suite in your name, will be in accordance with the implementation of this standard.

The above is about buy store cost-effective, buy store what costs, buy store can be a loan of the relevant content, I hope to be able to help you!