1. Can I get a loan with a house purchase contract?
You can get a loan if you have a contract. Buying a faster house by mortgage is a contract loan. Second-hand housing must have a real estate license first, then transfer ownership, and then loan. Only when you have a hukou can you apply for a mortgage loan at a credit cooperative and China Merchants Bank. Only contracts can't apply for mortgage loans.
Negotiate with the development company to cancel the record and sign a new contract, so that even if you buy a first-hand house, you can pay a down payment of 30%. However, if the developer's big house property certificate is completed, it will be more difficult to cancel the record.
1, find out the parties in the contract
In the process of buying and selling new houses, the signing of the contract involves two parties: one is the buyer and the other is the developer. Property buyers, that is, the "buyer" in the purchase contract, will become the owner recorded in the real estate license; Need to pay the house price; Once the contract is violated, it shall be liable for breach of contract.
Step 2 verify the condition of the house
When looking at the house, we should start from the following aspects: housing construction status, housing community status and housing rights. The verification of these situations will help you control the actual cost and risk of the transaction; ? Liability for breach of contract.
3. Clear trading procedures
Second-hand housing transactions can be divided into several major steps, such as looking at the house, signing a contract, paying the down payment time according to the contract, transferring ownership, handing over the house and giving the balance. These steps need to be paid attention to: keep the transaction evidence, only when everyone on the real estate license is present can the transfer be made, and check whether the other party has paid the property fee, water, electricity and gas fee when handing over the house; This is very important in the matters needing attention in signing the purchase contract. If you don't know anything about the transaction process, it will be very troublesome in the future and may bring losses to yourself.
4, clear responsibility for breach of contract
Clear and strict liability for breach of contract with the seller is the guarantee for both parties to fulfill the second-hand housing sales contract in good faith. In practice, small down payment punishment or simple "the breaching party should bear the losses of the observant party" lacks practical effect.
Second, what are the conditions for handling housing mortgage loans?
(1) Application materials
1, real estate license (the real estate license and land certificate in mortgage bank loans must be mortgaged to the bank).
2. Identity cards of the obligee and his spouse.
3. Household register of the obligee and spouse.
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau).
5. proof of income (this proof has a great influence on the success and high amount of loans from mortgage banks).
6. If the property owner has minor children, please provide birth certificate.
7. If the property has a bank loan, please provide the original loan contract and the next bank statement.
8. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. ).
(2) Application conditions
1, a citizen of China (excluding Hong Kong, Macao and Taiwan), aged 18-65 years old, salaried workers and business people who have worked in the current unit for more than six months (if less than six months, but the work content of this unit is the same as that of the previous unit, and the working years of the previous unit can be accumulated).
2. There are no minors under the age of 18 and no adults over the age of 70 (including 70) among the owners of the mortgaged property.
3. If the house property is mortgaged for the second time, the first mortgagee of the house must be the bank.
4. The borrower needs to own one or more sets of ownership houses (at least one set of ownership houses in this city).
(3) Personal property
1, original property certificate, house purchase contract and invoice.
2. Original ID card and household registration book.
3. Original spouse ID card/original property owner ID card.
4. Marriage certificate (marriage or unmarried certificate, divorce certificate or court verdict, widowed death certificate, property notarial certificate).
(4) Company real estate
1. Original property certificate, state-owned land use right certificate, house purchase contract and invoice.
2. Original legal person identity certificate, legal person power of attorney and agent's ID card.
3. Copy of business license (with official seal) and copy of organization code certificate (with official seal).
4. Articles of Association and resolutions of shareholders' meeting/board of directors.
(5) Construction in progress
1, land use certificate.
2. Construction land planning permit.
3, the construction project planning permit.
4. Construction permit.
5. Business license.
6. Pre-sale permit for commercial housing.
The above is the feasibility of using the house purchase contract for loans, as well as examples of matters needing attention and handling conditions. It can be found that although most friends tend to provide real estate licenses for loans, considering the actual situation, we also find that some banks also support the purchase contract. Although the success rate of this part of the operation may not be so high, everyone can come in handy when necessary. In addition, the above small series also deals with conditions and conditions from a professional perspective. It can be used to make a proper and reasonable plan.