The so-called top study is actually a mortgaged house.
Under certain conditions, real estate developers provide financing for the construction and development of subsequent projects, and banks or real estate-related industries (such as builders and material suppliers) have the right to produce or use all or part of unsold houses. Always in real estate projects.
You can go to mortgage to buy a house, but you should pay attention to the corresponding conditions of canceling the mortgage loan when buying a house, otherwise you may not be able to obtain the housing rights smoothly, leading to real estate disputes.
First, who to sign the purchase contract with. Although the "project mortgage house" is mortgaged by the developer to the creditor company, the property right of the house still belongs to the developer. Therefore, property buyers must sign a contract with the developer when purchasing the "project mortgage house", and the purchase contract signed with the property buyers is invalid. If the creditor has gone through the registration formalities and obtained the ownership certificate of the house, then the buyer should not sign a contract with the developer, but should sign a contract with the creditor, which is equivalent to buying a second-hand house.
Second, the problem is to endure. Since the contract has been signed with the developer, the rights and obligations are of course borne by the developer. Some property buyers think that houses are bought from construction enterprises, and signing contracts with developers is just a form. Once the problem is found, it is wrong to find a construction company. The construction enterprise is not a party to the commercial housing sales contract, and the contract is not binding. Therefore, the buyer should be cautious when signing the contract. The price, payment time, room area and time in the purchase contract should be written into the contract to prevent problems. Once there is a real problem, the developer should bear the responsibility.
Thirdly, the agreed price should be written into the contract, and the developer should invoice. Property buyers are generally "engineering mortgage" to buy cheap, but the price is set by the construction enterprise and the contract is signed by the developer. When a developer signs a contract, it often has a higher price to pay more for the project, so the contract price is higher than the agreement between the construction enterprise and the buyer. In the event of a dispute, the developer can make up the purchase price according to the contract requirements, and the buyer will not be able to defend. Therefore, when signing the contract, the buyer should sign the contract at the price agreed by the construction company. In addition, the invoice should be issued by the developer. On the one hand, it can avoid the troubles encountered by property buyers when handling property rights. On the other hand, the developer can prevent the developer from refusing to accept the house payment contract.