Are the house purchase contract and the loan contract the same document?

No.

The house purchase contract is based on the Contract Law of the People's Republic of China, the Urban Real Estate Management Law of the People's Republic of China and other relevant laws and regulations. Development enterprises reach an agreement on the purchase and sale of commercial housing on the basis of equality, voluntariness and consensus through consultation.

The loan contract is a form of economic contract. That is, the lender will deliver the currency to the borrower for use, and the borrower will return a certain amount of currency and its interest to the loan on a scheduled basis in accordance with the relevant regulations and the mutual rights and obligations determined by the loan.

Extended information:

House purchase contracts generally include two types of commercial housing pre-sale contracts (off-plan properties) and commercial housing sales contracts (existing properties).

The difference between the two is:

The pre-sale contract is used when the commercial house is pre-sold. The house is completed and delivered for use. After the buyer pays the entire house price, he can directly go through the transfer procedures.

The commercial house sales contract is applicable to the sale of commercial houses currently occupied (commercial houses that have passed the completion acceptance and obtained the real estate certificate).

Therefore, if you sign a pre-sale contract now, you will not need to sign a sales contract when you hand over the house, and you can go through the transfer procedures directly. If the pre-sale contract is signed before May 31, 1997, it is still necessary to sign a sales contract when the house is delivered for use according to the contract itself before the registration procedures can be completed.

The main contents of the house purchase contract include the following aspects:

1. Party A’s land use basis and commercial housing status, including location, area, existing housing, off-plan housing, etc.;

< p>2. House prices, including taxes, handling of area differences, special agreements on price and fee adjustments, etc.;

3. Payment agreements, including preferential conditions, payment time, payment amount, liability for breach of contract, etc.;

4. Delivery agreement, including time limit, liability for overdue breach of contract, agreement on design changes, house handover and liability of the defaulting party, etc.;

5. Quality standards, including decoration and equipment standards , commitments and liability for breach of contract, commitments to the normal operation of infrastructure, public supporting buildings, resolution of quality disputes, etc.;

6. Agreements on property rights registration and property management;

7. Warranty liability;

8. Party B’s usage rights;

9. Dispute arbitration institution recognized by both parties;

10. Liability for breach of contract;

11. Other related matters and attachments, including house plans, decoration, equipment standards, etc.