1. What should I do if the house purchase contract is lost?
1. negotiate with the developer.
In the case that the purchase contract is lost, it is generally possible to explain the situation to the developer to see if the developer can re-sign the contract, and the formalities for re-signing the contract shall be borne by the buyer. You only need the developer to issue relevant certificates, and generally you won't be rejected.
Step 2 make a statement
Because the purchase contract is of great significance, once lost, it is necessary to publish a statement that the contract is invalid in the newspaper. Three months later, take the newspaper to the pre-sale registration office to apply for cancellation of the signed contract, and then re-sign the contract with the developer.
Step 3 change the agreement
If the buyer loses the purchase contract, in addition to the above procedures, he must also sign a change contract with the bank that handles the loan, put the new contract in the bank as collateral, and terminate the original purchase contract.
Second, is it harmful to lose the purchase contract?
1. The house purchase contract refers to the agreement reached between the buyer and the real estate development enterprise on the basis of equality, voluntariness and consensus. All these are signed in accordance with the People's Republic of China (PRC) Contract Law, People's Republic of China (PRC) Real Estate Management Law and other relevant laws and regulations, which have legal effect, so the loss of the house purchase contract is harmful to some extent.
2, but you don't have to worry too much about losing the purchase contract. You need to reissue it according to certain procedures. If you have already registered the property rights, you naturally don't have to worry about the hidden dangers caused by the loss of contracts and receipts.
3. If someone else finds the house purchase contract, it is impossible to change the name above, unless you change it yourself or have a power of attorney, so don't worry too much about the harm caused by the loss of the house purchase contract.
3. Can the house purchase contract be mortgaged?
1. Generally speaking, it is impossible to apply for a mortgage loan if a house only has a purchase contract. You need a real estate license to apply for a mortgage loan. It is impossible to have a purchase contract alone.
However, at present, many houses are mortgage houses. If you don't have a real estate license, you can apply for a second mortgage from the bank. However, there are certain requirements for the applicant's mortgage loan, such as repayment on time for more than two years, and the house has certain value.
3. If you buy a first-hand house from a developer, you must sign a purchase contract first, and then make a loan. After the real estate license comes down, the developer can hand it over to the bank, but you can't apply for a loan with the purchase contract.
(