The date when the general developer pays the down payment is the date when the formal purchase contract is signed. You can see whether the name of the contract you signed is "house purchase contract" or "commercial house sales contract".

I. The purchase process of new houses is as follows:

1. Subscribe and pay the deposit.

2. Sign a house purchase contract and pay the down payment (or full payment).

3, apply for loans, bank loans

4. Delivery inspection and handover procedures

Second, the second-hand housing purchase process:

Buy in full

1. Looking at the house, the buyer and the seller reached an agreement to pay the house purchase deposit.

2. Transfer ownership and pay down payment.

3. Pay taxes and get a new real estate license.

4. Pay the balance when the property is delivered.

Loan purchase

1. Looking at the house, the buyer and the seller reached an agreement to pay the house purchase deposit.

2. Submit the loan application and sign the loan contract.

3. Property appraisal and third-party guarantee

4. Bank approval

5. Transfer ownership and pay down payment.

6. Pay taxes and get a new real estate license

7. Banks receive loan contracts and house mortgage registration.

8. Bank loans to the seller, real estate delivery and final payment.

9. The buyer repays the loan, recovers the house book after settlement, and cancels the mortgage registration.