1. It can be increased. I am a real estate sales agent. Regarding your question, we often encounter it in our daily sales work. At the beginning, the down payment ratio that the customer wants, in There are some changes before applying for a bank mortgage.

This is all possible. If the sales office has signed a commercial housing pre-(sale) contract with you, you only need to sign it again, or ask the sales lady to do a little work on the contract. Just change it.

2. In terms of bank loans, the bank stipulates that you can pay more in monthly repayments, but the prerequisite is that the ratio is in multiples of 10,000, which means that if you want to repay more, you can only In units of tens of thousands. In addition, if you want to end the lending relationship with the bank, you must pay off the entire loan amount at once. In addition, the bank will charge you two months more interest as liquidated damages.

Extended information:

When signing the above terms, home buyers need to pay special attention to the following basic issues:

1. Various items of the home purchase contract The content should be as comprehensive and detailed as possible, and various provisions should avoid conflicts with each other, especially with national policies and regulations; the written expression should be clear and accurate.

The identities and responsibilities of the buyer and seller who sign the contract must be clear. For example, Party A (seller) in the contract cannot be an agent or lawyer, but should be the investment and construction unit that issued the project approval document, nor should it be a superior. When a contract is signed in the name of a competent unit or subordinate organization, the signatory should be the legal representative himself or the principal person in charge authorized by the company's articles of association.

2. The project name on the contract must be linked to the project location to avoid discrepancies in the future. When indicating the location of the project, it must be specific and clear, such as Room ××, Floor ××, Building ××, Garden ××, ×× Street, ×× District, ×× City.

The house type and area must be clearly marked, and the building area, usable area, and common area apportionment principles must be clearly stated. If the price is based on building area, the usage rate must also be indicated.

3. The grade and decoration standards of the house are generally attached to the house purchase contract in the form of an attachment. The description of this content must be detailed and specific. Such as the level of technology, brand of materials, types of internal facilities, load standards, supply capabilities, etc., are explained one by one. Water, heating, electricity, communications and other facilities should be explained to what extent they are installed.

Baidu Encyclopedia-House Purchase Contract