1, loan time risk. Give the other party an agreement on the loan period, that is, how long after signing the contract, you must submit the bank's information and go through the loan procedures, otherwise you will bear the responsibility for breach of contract. We can't postpone it indefinitely.

2. Risk of loan amount. For the loan amount, it should be clear, that is, how much loan is required in the contract? At the same time, it must be clear what to do if the loan is not enough to apply for the quota or the loan cannot be done. There are generally two kinds: cash supplement or termination of the contract. Both methods must have a time limit, when to make up cash, and how long it will not be made up. Now it's breach of contract or termination of contract. The purpose is simple. You can't delay selling the house to others just because he can't get a loan. There must be methods and deadlines to solve the problem.

3. The borrower has bad credit. In the process of buying a house with a loan, the borrower's credit can only be inquired through the bank's credit information system. Many people don't know their previous bad credit card records and bad loan records. If this happens, it is very likely that it will be impossible to lend money and cause disputes. Before lending money, buyers need to be reminded to check their credit report first.