Some buyers will encounter such problems. The real estate license has not been processed yet, and there is only one purchase contract in hand. But money is urgently needed, but it is not clear whether the purchase contract can only be used as a large loan for real estate mortgage, and what loans can be applied for. The following small series will introduce you to the purchase contract for your reference!

1. Can a house purchase contract be loaned?

The purchase contract cannot be used as the main procedure of loan alone. If you want to use the house as a mortgage loan, the lender must apply for a mortgage loan at the bank with the identity certificate of both husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate, business license, tax registration certificate, income certificate, bank capital flow and house evaluation report. After the bank approves, go to the housing management department for mortgage registration, and then withdraw the loan from the bank.

Second, what are the risks of mortgage loan for house purchase contract?

If you use the purchase contract as collateral, there are also great risks.

1. Risks of development projects

If developers mismanage or transfer funds, the projects they develop may not be completed on time, or even lead to "unfinished" situations. The property purchased by the borrower and used as collateral has become a "castle in the air", and there are great quality problems in the property. These phenomena make it difficult to implement personal loan-related contracts and endanger the rights and interests of borrowers and loan banks.

2. Bank risk

The investigation of the borrower's situation is not strict; Insufficient understanding of the developer's sales situation, project progress, house payment supervision account, deposit account capital flow and other information; Lack of necessary contact with housing management and land departments, mortgage registration is not implemented; The file management is not strict, and the key contract documents are lost, resulting in the risk of bank loans.

Summary: The above is all that Bian Xiao introduced about whether the purchase contract can be loaned. I hope I can help you. Presumably, everyone knows something after reading it! If you want to know more relevant information, please pay more attention to Qijia. It will provide you with more complete, detailed and up-to-date information.