The full purchase contract can be loaned. The materials that must be provided to the real estate management department for existing house mortgage and forward house mortgage are as follows: 1, existing house mortgage (1) real estate mortgage contract (signed by both husband and wife on site); (2) the house ownership certificate; (3) Copy of land use right certificate (original inspection); (4) A real estate appraisal report issued by a qualified appraisal agency; (5) Bank loan contract; (6) proof of husband-wife relationship and copies of ID cards of both parties (original inspection), and the certificate issued by the civil affairs department where the household registration is located for singles.

Can the full purchase contract be mortgaged?

A complete purchase contract cannot be mortgaged. Specifically, if you want to apply for a mortgage loan, you must have a real estate license. The law stipulates that the full purchase contract cannot be used as collateral. Since the mortgage loan is a full house purchase, you can apply for a real estate license as soon as possible and go to the bank to apply for a loan with the real estate license. Therefore, if you only have a house purchase contract, you can't apply for a mortgage loan, and you must have a real estate license.

First, the purchase contract loan matters needing attention

It should be noted that signing a contract involves two parties in the process of buying and selling new houses: one is the buyer and the other is the developer. The property buyer, that is, the "buyer" in the house purchase contract, will become the owner recorded in the property ownership certificate. Need to pay for the house. -bear the liability for breach of contract in case of breach of contract. When you look at the house, you can understand it from the following aspects: housing construction status, housing community status and housing rights. When using the house purchase contract loan, you need to pay attention to verification, which will help you control the actual cost and risk of the transaction. Liability for breach of contract. Second-hand housing transactions can be divided into several major steps, such as looking at the house, signing a contract, paying the down payment time according to the contract, transferring ownership, handing over the house and giving the balance. Attention should be paid to these steps: keep the transaction evidence, transfer the ownership only when everyone on the property certificate is present, and check whether the other party has paid the property fee, water, electricity and gas fee when handing over the house.

Matters needing attention in signing a house purchase contract

The buyer should read the contract carefully. If you have any objection to the contract terms and professional terms, you can consult the local real estate development department. If there is no objection, it is deemed that both parties agree. Before signing the contract, the seller shall show the relevant certificates and supporting documents provided by the seller to the buyer. The terms of the contract shall strictly abide by the People's Republic of China (PRC) Contract Law, the People's Republic of China (PRC) Urban Real Estate Management Law and other relevant laws and regulations, and shall be interpreted by the Ministry of Construction and the State Administration for Industry and Commerce.

Can the full house be mortgaged?

The full house can be mortgaged. Of course, there must be a real estate license, and the property rights should be clear. The borrower's loan conditions should also be met. For example, a natural person who is over 18 and cannot be over 65 years old has a stable job and income, repayment ability and good credit information.

":

I. Application conditions

1. Individual urban workers and their units must pay the housing accumulation fund continuously for one year.

2. If the borrower purchases a commercial house, it must have self-raised funds of not less than 30% of the total house price as the down payment.

3. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan.

4. If both husband and wife normally pay the housing provident fund in full, only one party is allowed to apply for a housing provident fund loan.

5, a family can only apply for a housing provident fund loan to buy a house at the same time.

6. The lender must have permanent residence or valid residence status in the town of this province (city).

7. Agree to use the purchased house as collateral.

Second, the required materials

1. The valid identity certificate and household registration book of the borrower and spouse (if any) (the second-generation ID card should be copied on the back, and the household registration book should be copied on the title page, the first page of the household registration book, and the borrower and spouse pages).

2. Marriage certificate: if unmarried, the marriage registration office at the place where the household registration is located will issue a single certificate; Divorce certificate and non-remarriage certificate (divorce certificate, court judgment or ruling, and non-remarriage certificate issued by the marriage registration authority where the household registration is located); Married people provide marriage certificates.

3. The original purchase contract signed by the borrower and the selling unit.

4. The loan application form filled out by the borrower and his/her spouse (married) * * *, the deposit certificate of housing provident fund issued by the unit, the proof of salary income, and the borrower's bank card have been in the past year. 5. The down payment receipt delivered by the borrower to the selling unit in advance shall not be less than the amount stipulated in this agreement.

Third, the processing steps

1. The borrower can submit a written loan application and related materials to the loan bank, which will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval;

2, approved by the housing provident fund management department of the borrower, and the loan bank signed a loan contract and guarantee contract, mortgage registration, insurance, notarization and other related procedures;

3. The loan contract stipulates that the loan bank will transfer the loan to the special account for selling houses set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank;

4. The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract;

5. After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation formalities at the original mortgage registration department.

Can I borrow money from the full house purchase contract?

Many friends and family members have worked hard for half their lives to save a sum of money and bought their favorite suites after selection. But suddenly something urgent happened and there was no spare money at hand. At this time, I will think about using my house as a mortgage, but I don't know much about this; Or some friends want to buy a house in full, and then borrow money through the purchase contract. The following small series will introduce you.

You can apply for a loan for a full house purchase contract. You need to sign a formal purchase contract and register with the local housing authority, and you can go to the bank for a loan only after you get the real estate license transfer. With the real estate license, you can apply for a mortgage loan. If you only have a contract, you can't apply for a mortgage.

When using the purchase contract to make loans, we need to pay attention to the two parties in the contract, one is the buyer and the other is the developer. In this process, we must carefully watch the contents of the contract. If we breach the contract, we need the defaulting party to bear the responsibility for breach of contract.

When buying a house, we must pay attention to the following aspects: the construction of the house, the situation of the community, and the rights and interests of the house. Be sure to check clearly when using the house purchase contract for loans, which can help you control the costs and risks in the transaction process.

If it is a second-hand house, it can be divided into the steps of looking at the house, signing the contract, paying the down payment according to the specified time, transferring the ownership, handing over the house, and the balance. In the meantime, you must keep the evidence of the transaction or the invoice and contract. At the time of transfer, the personnel on the real estate license must be present to handle the transfer. Be sure to find out whether the seller has settled the property fee, water, electricity and gas before delivering the house.

With the full purchase contract and real estate license, the parties go to the bank to negotiate according to the loan contract. After the negotiation is successful, the borrower applies. Therefore, the borrower can sign the loan contract after approval. Handling loans also requires borrowers to have stable income, good credit and good ability to repay the loan amount and interest.

The above are some personal opinions put forward by Bian Xiao about whether the full purchase contract can be loaned, and I hope it will be very helpful to everyone.