How to make a mortgage on the store, and can you take out a loan with the store

Your store is leased, untitled, and cannot be used for a mortgage.

Shops are not more than residential buildings, and the entry limit is a little more, and the quota can generally be given 5%. 1. Real estate: mainly real estate in District 6 of Xi'an City and Chang'an District, which requires clear property rights.

2.The property owner and the husband and wife are on credit and the debts are up to standard. 3. In response to the requirements of national policies, the use of funds is for operation, and the property owner or spouse is required to have actual operation, the identity of a legal person or shareholder, the company is operating well, and there is no abnormality in the financial report.

This is a standard piece! The basic process is a credit investigation, pre-signing a contract, b mentioning information, visiting c sub-branches, d submitting documents for approval, f housing authority to issue other loans. Annualized.

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Regarding the mortgage loans for shops and office buildings, Xi'an, many banks are now accepting, and in order to reduce the risk of lending, the bank's lending is becoming increasingly tight. However, there are still some things that can be done, after all, the policies of each bank are different, but the amount of loans that may be applied for will be different, and the interest rate will also vary greatly.

In the end, the basic requirements of the bank for the mortgage loan of the shop are as follows:

1.It only satisfies its needs for production and operation, investment or consumption;

2.The maximum loan amount shall not exceed 50% of the appraised value of the collateral of the shop;

3.The maximum term of the commercial mortgage loan is not more than 10 years;

4.Good credit, stable and reliable income** and ability to repay when due;

5.There is a 50% fluctuation between the minimum and maximum interest rates of each bank.

The procedures for commercial mortgage loans are basically the same as those for other commercial housing mortgage loans;

1. Application conditions for housing mortgage:

1.the nature of the house; Residential, office buildings, villas, commercial houses, cost housing, affordable housing (strict requirements for affordable housing) and property rights are clear within 20 years.

2.Mortgagor (normal age 18-65 years old) and able-bodied 3The mortgagor's credit investigation shall not be involved in the past 24 months6

4.The mortgagor can prove repayment** as well as other assets (large certificates of deposit, second properties,**, etc.).

5.The actual purpose of the funds is clear.

2. Prepare materials:

1.The original and photocopy of the borrower's and spouse's ID card, household registration book (if single, a single certificate is required) 2Proof of marital status of the borrower and a copy thereof.

3.Family real estate, car ownership documents and photocopies, and other asset proof materials (house ownership certificates, land use certificates, original and photocopies of deeds).

4.Personal main bank account statement for the last 6 to 12 months (with bank stamp) 5Proof of income from the employer.

6.Supporting materials such as family private loans.

7.Assessment report.

3. The process of housing mortgage loan:

1.Submissions.

2.Sign bank documents.

3.Housing Appraisal.

4.Approved by the bank.

5.Banks lend money.

6.Mortgage registration.

7.Repay your loan on a monthly basis.

Xi'an real estate certificate mortgage, residential, apartment, office building, shop can be, do not look at the credit debt, equal principal and interest, first interest and then principal two ways detailed 8255-3260

OK. Shops can apply for mortgages, and they need to apply for a loan through a real estate mortgage or a business (business license). As long as the shop meets the requirements of the mortgage loan, the documents are complete, and the applicant also meets the conditions for applying for a loan.

Legal basis: Article 11 of the Interim Measures for Personal Loans An application for a personal loan shall meet the following conditions:

1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or a foreign natural person who complies with the relevant provisions of the State;

2) The purpose of the loan is clear and legitimate;

3) The amount, term and currency of the loan application are reasonable;

4) The borrower has the willingness and ability to repay;

5) The borrower has a good credit status and no major bad credit records;

6) Other conditions required by the lender.

The process of borrowing a mortgage for a shop. A shop mortgage requires a clear title to the shop. The details are as follows:

1. Apply for a mortgage loan to the bank; 2. Prepare relevant loan materials, such as personal identity information, credit report, shop ownership certificate and other materials; 3. Submit the above materials to the lending bank, and the bank will review whether it meets the conditions for mortgage loans; 4. If the bank examines and meets the conditions of Wang Sui's mortgage, it shall notify the mortgage lender to sign in person and go through the registration procedures for the mortgage loan with the distressed hands open; 5. After the above process is completed, you can wait for the bank to release the loan.

Civil Code of the People's Republic of China

Article 209 The creation, alteration, transfer and extinction of real estate rights shall take effect upon registration in accordance with law; Without registration, it shall not take effect, unless otherwise provided by law. The ownership of natural resources that belong to the State in accordance with the law may not be registered.

1. If the mortgagor has obtained the ownership of the shop, and the shop has not been sealed, seized or supervised in accordance with the law, the mortgagor can mortgage the shop for a loan.

2. Legal provisions: Civil Code of the People's Republic of China

Article 395:[Scope of Mortgaged Property]The following property that the debtor or a third party has the right to dispose of may be mortgaged:

1) Buildings and other land attachments;

2) the right to use construction land;

3) the right to use maritime space;

4) Production equipment, raw materials, semi-finished products and products;

5) Buildings, ships, and aircraft under construction;

6) means of transport;

7) Other property that is not prohibited by law or administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph.

Article 399:[Scope of Prohibited Mortgages]The following properties shall not be mortgaged:

a) land ownership;

2) The right to use collectively owned land such as homesteads, self-reserved land, and self-maintained mountains, except where the law provides that it may be mortgaged;

3) Educational facilities, medical and health facilities, and other public interest facilities of non-profit legal persons established for public welfare purposes, such as schools, kindergartens, and medical institutions;

4) Property whose ownership or right to use is unclear or disputed;

5) Assets that have been sealed, seized, or supervised in accordance with law;

6) Other property that laws and administrative regulations provide must not be mortgaged.

1. What are the agreed issues in the shop lease contract?

1. In addition to the main body, the common matters in the lease contract of the shop are: the location, area, rent, proportion and time of rent increase, lease bond or performance bond, liquidated damages, right to terminate the contract, liability for breach of contract, dispute resolution, demolition compensation, etc.

2. Due to the large number of matters, only some of the above matters are analyzed:

First of all, with regard to the location of the lease, the agreement on this matter involves the choice of jurisdiction of the court when agreeing on the jurisdiction, and on the other hand, the design of the corresponding breach clause when the lessor changes the specific store at the investment stage.

Secondly, regarding the rent increase and the point in time, it is necessary to pay attention to the basis of the increase, whether it is based on monthly rent, quarterly rent or annual rent. The incremental ratio and timing are clearly agreed, so that the lessee can estimate the cost and benefits of the performance of the lease contract, so as to make an estimate of whether the leased investment is feasible.

Thirdly, with regard to the lease bond or performance bond, it is generally a deposit to ensure that the lessee performs the contract in accordance with the contract, and for the brother Chunlun, the lessee unilaterally breaches the contract or damages the store or violates the property management regulations.

1. Prepare the application materials before applying for a loan.

2. After preparing the raw materials in advance, you can go to the bank or loan company to fill in the loan application** and the authorization certificate and its contract. The bank or loan company will spend about a few days to carefully approve whether the raw materials prepared in advance are genuine, and there is also a personal credit report.

3. If the approval result is compliant, then you can bring the original of these raw materials and the bank card (note: not all bank cards can be used, it must be a bank card that meets the requirements of the bank and the loan company) to the bank or loan company to fill out the agreement.

4. Finally, before signing the contract, be sure to ask clearly about the interest rate, deadline, and loan repayment method. This is very critical, and some lenders do not understand it until they sign the contract, and they are confused when it comes to repaying the loan, resulting in a lot of property losses for themselves.

5. In addition, it is also necessary to carefully grasp the amount of repayment and the number of liquidated damages in the contract. In the past, some loan organizations talked to customers well, but what was written on the contract was completely different from what was said, and some old orange lenders did not read the contract, and immediately signed it, but they suffered a dumb loss on the contract, and finally became grief-stricken.

6. After the above provisions are carried out, you can apply for the mortgage filing at the housing management office, and then take the mortgage filing to the bank or loan company to obtain the required loan.

Note that the term of the commercial mortgage should not be too long, and the maximum term should not exceed 10 years. Therefore, you must manipulate the repayment time, and if you fail to repay the loan on time, you will bear the consequences.