1. Shops can only be bought by commercial loans. The loan interest rate of shops is 10% higher than the benchmark interest rate. The benchmark interest rate for loans over five years is 4.9%, and the loan interest rate for shops is 4.9% 1. 1=5.35%.

2. There are two kinds of short-term: within six months, including six months, the annual interest rate is 5.6%, and the commercial loan interest rate of shops is 6.16%; The annual interest rate for more than six months and less than one year is 6%, and the commercial loan interest rate for shops is 6.6%;

3. There are three types of medium and long-term loans: one to three years, of which the annual interest rate is 6. 15% and the commercial loan interest rate of shops is 6.765%; Three to five years, including five years, the annual interest rate is 6.4%, and the commercial loan interest rate of shops is 7.04%; The annual interest rate for more than five years is 6.55%, and the commercial loan interest rate for shops is 7.205%.

Under normal circumstances, the loan interest rate of shops will fluctuate occasionally according to the regulations of the People's Bank of China in the same period.

Due to different loan types, the conditions and materials for applying for loans are also different. The following will introduce the conditions required for several common loans.

Loan type 1: personal credit loan

Personal credit loan is a fashionable loan method, so what conditions do you need to apply for this kind of loan? Under normal circumstances, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income, and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. After submitting the relevant application materials, the bank can apply for a loan with a monthly income of 5-8 times, that is, an unsecured loan and a new loan from Ping An Bank.

Loan Type 2: Housing Mortgage Loan

The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and there is less pressure to repay the loan. So what are the conditions for applying for this kind of loan? Generally speaking, in addition to the strong requirements on the income and credit of the lender, the service life of the house should be less than 20 years and the house area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.

Loan Type III: College Students' Entrepreneurship Loan

College students pay more attention to this kind of loan than we thought. Many areas have support policies for college students' entrepreneurial loans, such as loan subsidies or interest-free loans. So what are the conditions for applying for this kind of loan?

Generally speaking, college students' business loan requirements: college students, graduates within two years; College degree or above; 18 years old or older. Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.

Loan Type 4: Self-operated loan

Self-employed people have become the main force of social and economic development, but many self-employed people have difficulty in financing, so many people choose this kind of loan. What are the conditions for applying for this loan? Generally speaking, you must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.

Loan Type 5: Housing Mortgage Loan

Many people buy houses and apply for mortgage loans, so what are the loan conditions? Generally speaking: have a valid ID card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.

Mortgage interest rate of shops

{Title of article}

With the rise of housing prices, the state has adopted corresponding policies to curb real estate speculation. With the improvement of consumption level, the rent of shops is also rising. Many people see business opportunities and want to make money by investing in shops, but the prices of shops are often high. What's the interest rate for buying a shop loan? Let's take a look at the following article by Bian Xiao.

1. What is the loan interest rate for buying a store?

1. Shops can only be bought by commercial loans. The loan interest rate of shops is 10% higher than the benchmark interest rate. The benchmark interest rate for loans over five years is 4.9%, and the loan interest rate for shops is 4.9% 1. 1 = 5.35%.

2. There are two kinds of short-term: within six months, including six months, the annual interest rate is 5.6%, and the commercial loan interest rate of shops is 6.16%; The annual interest rate for more than six months and less than one year is 6%, and the commercial loan interest rate for shops is 6.6%;

3. There are three types of medium and long-term loans: one to three years, of which the annual interest rate is 6. 15% and the commercial loan interest rate of shops is 6.765%; Three to five years, including five years, the annual interest rate is 6.4%, and the commercial loan interest rate of shops is 7.04%; The annual interest rate for more than five years is 6.55%, and the commercial loan interest rate for shops is 7.205%.

What is the loan interest rate for facade houses?

Nowadays, when buying real estate, most people apply for loans to relieve the pressure. Under normal circumstances, the loan interest rate of facade houses will fluctuate occasionally according to the regulations of the People's Bank of China in the same period, and the specific interest rate will also be subject to the relevant banks. The following small series will introduce the loan interest rate of the next facade room for your reference!

1. What is the loan interest rate for the facade house?

Now the People's Bank of China has promulgated the benchmark annual interest rate for loans: 0 to 6 months (including 6 months), with an annual interest rate of 4.35%; 6 months to 1 year (inclusive), with an annual interest rate of 4.35%; 1 to 3 years (including 3 years), with an annual interest rate of 4.75%; 3 to 5 years (including 5 years), with an annual interest rate of 4.75%; 5 to 30 years (including 30 years), with an annual interest rate of 4.90%; The loan interest rate should be combined with the comprehensive pricing of the business category, credit status and guarantee method applied by the buyers, and can only be decided after the evaluation of the outlets.

2. What are the procedures for buying a facade loan?

1. Identity documents of husband and wife, household registration book, marriage certificate, permanent residence certificate issued by neighborhood committee or administrative department, business certificate, rental agreement, house purchase contract, personal bank account, asset certificate, etc. They should be prepared in advance, and they should go to the local bank for loan consultation. (For loans guaranteed by guarantee institutions, the bank's assessment is more relaxed, and the loan amount may be higher, but it is necessary to pay more guarantee fees.

2. Bank evaluation: Banks will investigate the reliability of documents provided by buyers and sellers, and some banks will also check whether the bank flow provided by buyers is conclusive, and banks will control according to their respective lending quotas. If the amount of bank loans is small, it is more difficult to review, and the loan approval time in the first half of each year is relatively faster than that in the second half.

The bank will inform you when the loan is approved, and it can be processed within 2 working days. In principle, commercial housing mortgage loans can be handled, and the service life is 10 years. Usually, the loan amount does not exceed 50% of the evaluation price, and the loan interest rate rises. At present, the bank's credit is relatively shrinking, which improves the conditions of loan customers.

Summary: The above is the related content about the loan interest rate of facade houses introduced by Bian Xiao, hoping to bring help to everyone. In doing business in life, it is important to have a facade and a shop, but now the facade price in a better location is very high, not lower than the house price.

This is the end of the introduction about whether the loan interest rate is high or not. I wonder if you have found the information you need?