The purchase agreement can be borrowed from the bank.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Personal loan object and conditions: loan object: 1. China citizens with full capacity for civil conduct and foreign citizens with the right of abode in Chinese mainland;

2. Pay the down payment (not less than 30% of the total purchase price);

3. Have a stable economic income and the ability to repay the loan principal and interest;

4. Agree to use the purchased property as loan collateral. 2. Meet the following conditions at the same time:

1. Purchase commercial housing designated by the bank in this city with legal household registration book (not limited to this city), ID card or business license, certificate of legal representative or legal residence permit and passport;

2. Open a deposit account in a bank with a deposit balance of not less than 30% of the house to be purchased;

3. Having valid purchase contracts, agreements and other supporting documents;

4. Agree to mortgage the property under the purchase contract;

5. Willing to perform all the terms of the loan contract;

6. Other conditions stipulated by the bank. 3. Information to be published and provided:

1. Original and photocopy of resident ID card;

2. The original and photocopy of the house subscription book;

3. Original and photocopy of the down payment;

4. Proof of monthly contribution ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc.

Extended data:

Bank loan refers to an economic behavior in which banks distribute funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need to provide guarantee, house mortgage, income certificate and good personal credit information to apply.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different.

For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mainly take the form of discounted bills, credit accounts and overdraft accounts.

House purchase agreement is a form of house purchase contract, and it is an agreement signed by buyers and sellers on the basis of equality, voluntariness and consensus.

A formal model house purchase agreement will include the information of both parties, housing situation, house payment and payment agreement, as well as the liability agreement for breach of contract between both parties.