Generally, four copies are signed, one for the buyer, one for the developer, one for the bank and one for the Housing Authority.
Matters needing attention when signing a house purchase contract with a loan: 1. Property buyers can only apply for a housing loan from the bank after signing a contract with the developer, but sometimes the loan can't be done. Therefore, when buyers sign a contract with the developer, the contract should clearly stipulate that if the loan is not completed, the deposit will be refunded.
2 try to use the standard housing sales contract printed by the real estate management department. Because the standard contract text can guarantee the interests of both developers and buyers, everyone will not suffer.
The final delivery date should be clearly stipulated in the contract. Late delivery is a common phenomenon. If the delivery date is specified in the contract, if the developer delays the delivery, it needs to pay a certain penalty to the buyer. Therefore, when signing the contract, the buyer must clearly stipulate that the delivery date is "a certain month and a certain day" and indicate the responsibility that the developer needs to bear if he cannot deliver the house on time.
4. See if the developer's documents are complete. Regular developers generally have real estate development certificate, state-owned land use certificate, construction project planning permit, this project development permit and commercial housing pre-sale permit. Only developers with these documents are regular developers, and buyers can focus on pre-sale permits.
2. What if there is no purchase contract in mortgage to buy a house?
Be reasonable, your house has no title certificate. If the purchase contract is not in the bank, why should the bank trust you? Banks will definitely want collateral. The purchase contract is collateral. After you acquire the property right, you don't need to deposit it in the bank. The bank will indicate on the property certificate how much the loan is and whether it has been paid off.
3. Is there a purchase contract after the second-hand house is mortgaged?
Second-hand housing loans have contracts. When buying a second-hand house, the purchase contract shall be made in quadruplicate, one for the seller, one for the real estate management bureau and one for the buyer. From the date of signing the contract, the buyer should have the original buyer's contract, and the bank loan contract will generally be handed over to the buyer after the loan is approved.
4. Is there no purchase contract for the house bought by mortgage?
Yes, a mortgage loan requires a purchase contract, which is handed over to the bank and the borrower can get it back after paying off the loan. Strengthen Article 2 of the Guiding Opinions of the Ministry of Land and Resources and the Ministry of Housing and Urban-Rural Development on Connecting Unified Registration of Real Estate with Housing Transaction Management. Strengthen the management of housing transactions. Housing transaction management is the foundation and core of real estate market supervision. Real estate management departments at all levels should strengthen the work of housing transfer, mortgage, lease, area management, housing transaction files, housing agency and personal housing information system construction, especially the specific work of transaction supervision, such as pre-sale permit of commercial housing, online signing and filing of housing sales contracts, supervision of housing transaction funds, establishment of property list, qualification examination of housing purchase, housing verification, management of stock housing and policy housing listing transactions, formulation and supervision and implementation of housing mortgage policies, so as to realize orderly connection of related businesses.