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Is it a down payment to sign a contract with a loan to buy a house?
Buying a house with a loan is a down payment when signing a contract. After paying the down payment, the buyer must prepare the down payment and pay it on the day of signing the contract. Then after the contract is completed, you can apply for a mortgage.

What should I pay attention to when paying the down payment?

1. Pay attention to whether the contract contents are equivalent.

When buyers pay down payment, they need to check the purchase contract, because the purchase contract is provided by the developer. Property buyers should pay attention to whether the purchase contract adopts the standard house sales contract text uniformly printed by the real estate management department. For the contents and supplementary clauses in the purchase contract, buyers also need to pay attention, mainly depending on whether the rights and obligations agreed in the contract text are equivalent.

2. Is the payment method standardized?

Generally speaking, the purchase contract will stipulate the payment method, payment amount, time limit and liability for breach of contract, but some developers do not sign the purchase contract first, but let the buyers pay a certain deposit first, and only give a receipt for the payment of the deposit. If there is a dispute at this time, it will be difficult for the buyer to find out the responsibility.

3. Be sure to verify the developer's five certificates.

When paying the down payment, the buyer and the seller need to sign a house purchase contract, and the buyer needs to determine whether to buy a house. At this time, the buyer must first verify the relevant documents of the developer, mainly whether the developer's five certificates are complete, such as the developer's land certificate, construction land planning permit, construction project planning permit, housing construction permit, state-owned land use permit, and commercial housing pre-sale permit. It should be noted that the buyer must check the original when checking the five certificates, because the copy is easy to be cheated.

4, clear delivery date

Because in the process of buying an auction house, it is easy for developers to delay the delivery of the house due to insufficient funds. If the developer makes a fuss about the pre-sale contract and only indicates the completion date without indicating the delivery date of the polyether house, then the buyer must accurately set the delivery date to a certain month and day when signing the contract, and indicate the responsibilities that the developer needs to bear when it cannot delay the delivery.