how much is the down payment for the loan facade? Generally, the down payment starts at 51%

Facade houses, that is, shops, are business-oriented commercial housing loans, so it is naturally not possible to apply for provident fund loans, but you can apply for commercial loans from banks. As for the down payment of loan Facade houses, just make clear the loan standards of commercial housing in banks. Then, let's take a look at it.

1. how much is the down payment for the loan facade house?

Loan facade houses are generally implemented according to the standards of the second house, that is, the minimum down payment is 51%, the loan interest rate rises by 11% on the basis of the benchmark interest rate, and the longest loan period does not exceed 11 years.

for example, if the price of a facade house is 1 million yuan, then the minimum down payment is 511,111 yuan, and then the loan is 511,111 yuan.

Note that if the loan facade house is a new shop, the down payment will be 51% of the contract price; If the facade is second-hand, the down payment is 51% of the appraisal price, which refers to the appraisal value of the facade by the loan bank, not necessarily the actual transaction price.

second, how much is the down payment for the commercial and residential facade?

general loans for facade houses are based on the down payment standard for commercial houses, but some banks make a slight difference between commercial and residential houses, such as China Industrial and Commercial Bank, where the maximum loan amount for commercial and residential houses can reach 55% of the value of the house purchased, that is, the down payment is 45%.

III. Other expenses of the loan facade house

1. Deed tax: generally 3% of the transaction price;

2. Stamp duty: generally paid according to the transaction price;

3. Handling fee: Generally, the transaction price is above the relevant content of "how much is the down payment for the loan facade house". Compared with the loan housing, the down payment threshold for the loan facade house is still much higher, and other expenses are added. It is suggested that the fund preparation can be properly and fully prepared.

how much is the down payment for purchasing a store mortgage?

The down payment for the store is 51%. The term of mortgage loan for individual shops provided by banks cannot exceed 11 years at the longest. However, some commercial project developers can help you with a part of the down payment, such as 31%, and then another 21%. You can only pay back the money within the specified time. < P > If you buy a first-hand shop, you can borrow up to 51% of the contract price. If it is a second-hand shop, you can borrow at most 51% of the evaluation price. This evaluation price is not necessarily the actual amount of your transaction, but depends on the amount of loan you need and your ability to bear the relevant taxes.

Shops are real estate specially used for business activities, and they are places where operators provide goods trading, services and experience for consumers. In a broad sense, the concept of shops includes not only retail business, but also real estate used by entertainment, catering and tourism, profitable exhibition halls, sports venues, bathrooms, and commercial business trading places with physical buildings such as banks and securities.

Source: Baidu Encyclopedia Store

How to calculate the down payment and interest rate of the store mortgage loan

The analysis is as follows:

1. The store mortgage loan must be down paid by 51%, and the interest rate is up by 11%. The so-called 51% is calculated according to the value of the store you want to buy.

2. Shops mortgage is different from ordinary housing mortgage (subject to the property you want to mortgage, the loan amount is generally 65%-71% of real estate assessment value. The interest rate is 1.5%-31%).

3. It should be noted that a shop can borrow for up to 11 years. Because it is an investment property, there is no difference between the first set and the second set.

4. The minimum down payment is 51%, the maximum loan is 51%, and the interest rate is at least raised by 11%, depending on personal work income, personal bank credit information and local bank policies, ranging from 11% to 21%.

Extended information

Store mortgage application information:

1. The borrower's ID card (household registration book) or other valid residence documents, and the married person must also submit proof of personal marital status;

2. The loan applicant fills in the Commercial Housing Loan Application (Approval) Form;

3. down payment voucher;

4. The contract or agreement for purchasing the store;

5. proof of the borrower's family property and income;

6. Identification certificate of the borrower;

7. Other information required by the bank.