The purchase contract can be used for loans. According to the relevant laws and regulations of the Measures for the Administration of Personal Housing Loans, ordinary housing sales contracts can be used as loans for buyers, which are generally bank loans, also known as mortgage loans. The lending system of housing sales contracts is conducive to implementing the voluntary principle of China's civil law, and is also one of the concrete manifestations of protecting the legitimate civil rights and interests of equal civil subjects.

What are the conditions for buying a house loan?

1,/kloc-a natural person over 0/8 years old but under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;

2. The sum of the applicant's age and the loan period shall not exceed 70;

3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;

4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;

5. There is a valid guarantee recognized by the handling bank;

6. Open a personal settlement account in the handling bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card;

7. Other conditions stipulated by the handling bank.

What information do I need to apply for a housing loan?

1. Identity cards (or other valid documents, such as military officer's card, etc.) of the main lender and spouse (if any) who purchase the house by loan;

2. Household register of the main lender and spouse (if any) of the loan house;

3. Income certificate of the main lender and spouse (if any) who borrowed to buy a house (the total income certificate must exceed twice the monthly payment and the income flow (if necessary);

4. Marriage certificate of the main lender who borrows money to buy a house (single certificate or marriage certificate, some bank single certificates do not need to be issued by the Civil Affairs Bureau, just fill in the single statement and sign it according to the prescribed format);

5. Asset certificates of the main lender and spouse who borrowed money to buy a house (if necessary);

6. Proof of down payment;

7. The house sales contract signed by the buyer and the seller;

8. The house sales contract contains the above information.