Buying a house must be a very important thing in life, because a house is the foundation of living and one of the goals of many people's lives. As we all know, signing a contract is indispensable when buying a house. Many home buyers do not know the legal knowledge, so they hope to use the house purchase contract template to sign the contract. So, what is the house purchase contract template? What are the risks of a home purchase contract mortgage loan?

What is the template for a house purchase contract?

Party A: (Seller); Contact information:; Residential address:;

Party B: (Buyer); Contact information:; Residential address:;

Date of signing: year, month, day

In accordance with the provisions of the "Contract Law of the People's Republic of China" and relevant laws and regulations, in order to clarify the rights and obligations of Party A and Party B, this contract was signed after consensus reached by both parties. this contract.

1. Party A will pay its independent property rights to the house located in the city/district (House Ownership Certificate No.:, building area one square meters) in RMB (in capital letters: ＿＿＿P＿＿＿＿＿＿＿＿＿＿＿＿＿佰 ＿＿＿＿＿＿ yuan) (￥) sold to Party B. Party B is willing to subscribe to the house from Party A at the above price.

2. Party B shall pay Party A a deposit of RMB yuan (in capital letters: one hundred thousand, one hundred thousand yuan). The above deposit will be used as payment for the room when Party B makes payment.

3. Party A promises:

1. Provide Party B with housing information that meets the requirements for verification.

2. Since signing this agreement, Party A promises and guarantees that all rights holders who have the legal right to the house sold under this contract have agreed in writing to sell the house to Party B, and shall not regret or regret during this period. Selling the house to a third party.

3. Sign various contract documents and handle various procedures in a timely manner according to the needs of the aforementioned business.

4. When handling property rights transfer, the property rights information should be handed over to the lending bank or an institution recognized by the lending bank for holding as required.

IV. Party B promises:

1. Guarantee to pay off the house fee and repay the loan as required.

2. Do not change the structure of the house according to national requirements.

3. In accordance with the aforementioned business needs, sign various contract documents and handle various procedures in a timely manner, and bear all expenses.

4. When handling a house transfer, the house property rights information should be handed over to the lending bank or an institution recognized by it as required.

5. Liability for breach of contract: After the agreement is signed and comes into effect, Party A and Party B shall not breach the contract for any reason; if there is any breach of contract, the cost of damages shall be fully negotiated by Party A and Party B.

6. The positioning, performance, contact, modification and dispute resolution of the agreement shall be governed by the laws of the People's Republic of China.

7. For matters not covered in this contract, Party A and Party B may enter into additional supplementary terms or supplementary agreements. Supplementary terms or supplementary agreements and attachments to this contract are integral parts of this contract.

8. Party A and Party B agree that within ____ days from the effective date of this contract, *** will apply to the house ownership registration authority for registration of change of house ownership, and obtain the house registration in the name of Party B in accordance with the law. and after receiving the "House Ownership Certificate", Party B shall apply to the land management department for registration procedures for change of land use rights of the house in accordance with relevant regulations.

9. The agreement shall take effect from the date of signature or seal by both parties.

10. The agreement shall be in duplicate, with each party holding a share and the responsible person having a share.

Party A: (Signature); Party B: (Signature)

Date: Year, Month, Day

What are the risks of mortgage loans in house purchase contracts?

1. Risks of development projects

If the developer performs poor management or misappropriates funds, the project it develops is likely to be unable to be completed on time, or even "unfinished" phenomenon, the real estate purchased by the borrower and used for mortgage has become a "castle in the air"; the real estate purchased by the borrower has major quality problems. These situations will make it difficult to perform the relevant contracts for personal loans and infringe the rights and interests of borrowers and lending banks.

2. Banking risks

Lack of strict review of the borrower’s situation; insufficient control over the developer’s sales, project progress, and the flow of funds from the house sales supervision account and the deposit account ; Lack of necessary contact with the housing and land department, failure to implement mortgage registration; lax file management, loss of important contract documents, resulting in bank loan risks.