First, how to borrow the full purchase contract
The full purchase contract loan depends on whether to buy a new house or a second-hand house. To purchase new commercial housing, it is necessary to negotiate with the developer, cancel the original one-time purchase contract for the record and sign a new contract, and operate according to the mortgage loan method. If you buy a second-hand house, you need to go through the property transfer formalities with the property seller first, and then go through the mortgage loan formalities at the bank with the purchase contract and real estate license.
Second, how to classify the purchase contract?
1, mortgage loan purchase contract
Mortgage loan refers to the personal housing loan business in which the buyer pays a certain proportion of down payment, signs a purchase contract with the developer, and the developer provides regular guarantee to mortgage the property to the bank. The buyer enjoys the right of residence and use of the property during the mortgage loan period. Buying a house with mortgage loan can greatly alleviate the temporary economic pressure of buyers in the short term and improve the quality and level of life.
2. Full house purchase contract
Buying a house in full means that the buyer pays the house price in one lump sum. Buying a house in full has several disadvantages. First of all, buyers need to have sufficient funds. Secondly, if there is any problem with the property, it will be more difficult to complain after the money has been paid. Finally, because most of the current real estate developers are mainly based on land certificates and real estate licenses, even if they buy a house in full, they can't get two house certificates immediately. Of course, the advantage of buying a house in full is that there is no repayment pressure and there is no need to pay high bank interest.
Summary of the article: The above is the answer to the related content of "How to borrow the full house purchase contract", hoping to bring some reference help to friends in need. For more housing loan information, please continue to pay attention to other related introduction information of Qijia. Or consult the property consultants of major local properties.