Shop mortgages generally do not enjoy bank loan interest discounts, and provident fund loans cannot be used. The down payment requires more than 50%, and the interest rate generally rises by more than 10%. This mainly depends on the policies of each bank and is not certain. That is to say, you have to pay more down payment and interest than ordinary housing. If someone else's annual interest is 5%, if it goes up by 10%, your interest will be 5.5%.

Extended information:

Applicant conditions:

1. Have a legal and valid residence status;

2. Have the ability to purchase a commercial building contract or agreement;

3. Have a stable job and income, good credit, and the ability to repay the principal and interest of the loan on time;

4. Have no less than the full price of the purchased store 50% of the down payment for house purchase;

5. Agree to use the purchased shop as collateral or provide assets recognized by the lending bank as collateral or pledge, or have the qualifications for guarantee and sufficient repayment ability An organization or individual acts as a guarantor and is jointly and severally liable for the repayment of the principal and interest of the loan.