Under normal circumstances, it is a breach of contract to delay the loan after paying the down payment, and you need to bear the liquidated damages and continue to perform the contract. At this time, buyers should urge the sales center, ask why, and then prepare the information needed for the loan, and submit it for approval by the bank. Of course, the object of the slow loan is the property buyers, and they should also bear the liability for breach of contract. If the circumstances are serious, the other party has the right to sue.

Is it a breach of contract to buy a house for three years without a loan?

Buying a house for three years without a loan is a breach of contract. According to the relevant information inquired, developers who pay down payment but do not apply for mortgage will be urged. If he doesn't do it all the time, it will be regarded as a breach of contract, and the developer will cancel the contract and demand liquidated damages.

How long does it take to pay the down payment without applying for a loan?

It depends on the written subscription or deposit contract. Assuming that it is stipulated in the contract that it will be handled within 1 month, then more than one month will be regarded as a breach of contract.

Supplementary information:

1. Information required for mortgage loan:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);

2. The original purchase agreement;

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;

5. The developer's collection account number is 1 copy.

Two. Mortgage loan conditions:

1, aged between 18-65, with full capacity for civil conduct;

2. Pay the down payment;

3. Have a stable legal income and the ability to repay interest;

4. The borrower agrees to use the purchased house and its rights and interests as collateral;

5. The purchased second-hand houses have clear property rights and meet the requirements for entering the real estate market stipulated by the local government;

6. The purchased house is not within the scope of the demolition announcement;

7. Other conditions required by the lending bank.

Third, the process of mortgage loan:

1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

2. After receiving the application, the loan bank shall confirm and review the information;

3. After the audit, the lending bank will contact the lender and sign relevant contracts;

4. For bank loans, the lender shall fulfill the repayment obligations.

4. Can the down payment be refunded if the mortgage can't be done?

1. If it is due to bank reasons, such as tight quota, the buyer can negotiate with the seller to terminate the house purchase contract, and the seller shall unconditionally refund the down payment.

2. If the loan approval is affected by the buyer's own reasons, such as tainted credit record or insufficient repayment ability, then try to solve it first, such as finding a guarantee company to guarantee or extending the repayment period.

If it still can't be solved, we can only cancel the purchase contract. In this case, the buyer needs to bear the liability for breach of contract, pay liquidated damages to the seller, and the seller should return the deposit.

Therefore, no matter what causes the loan to be impossible, the down payment on the house purchase can be refunded. The only difference is whether the buyer needs to pay liquidated damages.

How long does it take to pay the down payment without applying for a loan?

There is no specific time limit for how long a loan is not a default. Lenders need to judge according to the requirements of the loan contract and the actual situation. If there is a requirement in the loan contract, the lender had better handle the loan in time within the agreed time.

The bank's review of mortgage loans is relatively strict, and it will focus on the lender's credit information and income. If the lender's qualification does not meet the requirements of the bank, the bank can directly refuse the loan, and the lender can consult the bank before buying a house.