Housing mortgage loan requires the service life of the house to be within 20 years; It has strong liquidity. The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China.
"House age+borrower age" generally does not exceed 70 years old. Basic conditions for applying for a loan:
1. A natural person with China nationality and full capacity for civil conduct;
2. Hold valid identity documents;
3. Have a stable and legal source of income;
4. Mortgaged real estate has a real estate license, clear property rights and can be listed and circulated;
5. Other conditions stipulated by the bank.
Loan amount and term:
1. The mortgage interest rates of commercial housing can reach 80%;
2. The mortgage rate of office buildings and shops can reach 60%;
3. The mortgage rate of industrial plants can reach up to 50%;
4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses, etc.
The longest credit period is not more than 30 years, the purchased real estate period (referring to the real estate completion period) is not more than 20 years, and the loan period plus the mortgaged real estate period is not more than 40 years. The specific application time limit requires the submission of relevant materials. Second-hand housing loan/credit period shall not exceed 30 years. Your loan term is determined by the handling bank after you submit the housing loan and other related materials.
Store loan related policies:
1. The credit term and loan interest rate of intellectual property pledge loans adopt the risk pricing mechanism, and in principle, they will rise at a standard of not less than 10% on the basis of the benchmark interest rate stipulated by the People's Bank of China. According to the cash flow of the enterprise, flexible and diverse repayment methods can be adopted, including full loan repayment, full loan zero compensation and zero loan zero compensation, and repayment can be made at any time as needed. Enterprises can flexibly arrange their debts according to their own production cycle and production enthusiasm.
2. The development of intellectual property pledge loan business for small and medium-sized enterprises has played a promoting role in solving the shortage of funds for scientific and technological enterprises with independent intellectual property rights, accelerating the marketization transformation of intellectual property rights and improving the quality of intellectual property rights. The core competitiveness of enterprises. From a more far-reaching point of view, the introduction of intellectual property pledge loan is conducive to a deeper understanding of the value and role of intellectual property in practice, stimulating the innovation ability of enterprises and awakening the awareness of "intellectual property strategy".
3. In terms of preferential policies, up to now, Beijing Zhongguancun Intellectual Property Promotion Bureau and the Municipal Science and Technology Commission have given customers who have obtained patent pledge loans from Beijing Branch a loan discount at a certain percentage of the benchmark interest rate, and repaid the principal and interest on schedule.
How many years can a shop loan last?
1. Shops can borrow for up to 30 years and need real estate mortgage loans.
2. When applying for a loan from a store bank, you need the borrower's identity certificate, income certificate, store purchase certificate, mortgage certificate and other materials, as well as other conditions proposed by the bank. At the same time, after correctly submitting the application materials, the borrower should also provide a down payment certificate of more than 50% of the purchase price of the store. The longest store loan can reach 10 years.
3. The repayment method of store loans is also very flexible. If the loan term of the borrower is within 1 year (including 1 year), the principal and interest of the loan can be paid off in one lump sum or on a monthly basis. If the loan term is 1- 10 years (inclusive), the borrower shall repay the loan on a monthly basis.
4. Taking Guangzhou as an example, the longest loan for shops in Guangzhou can reach 10 year. According to the regulations of various banks, the interest rates are also different, and the interest rate rises by 10%, 15% or other interest rates. It depends on the bank loan. Shops are not limited to purchase, and the second set of interest rates remains unchanged. The second set does not need to rise like a mortgage. It should be noted that the store loan interest rate has been raised. The second set of store loans, like the first set, provides relevant information to the bank for approval.