When buying a second-hand house, what is the down payment receipt?

First of all, you need to sign a contract when buying a house. Your transaction process should be written down in the contract! First of all, if you want a loan, you must find a guarantee company. Your loan information and your procedures must be reviewed to see if there are any problems. It depends on whether you signed the contract privately or through an intermediary! If it's private, please note that you can pay a deposit to the seller first, which means that the seller cannot sell to anyone else. When the bank evaluates and audits your information and there are no problems, it is time to transfer the ownership. Before the transfer, you can write the contract and hand over the down payment to the seller on the day of transfer (this is what is agreed in the contract). At this time The seller will give you a white receipt. After you complete the transfer, he will wait for a new certificate. At that time, the name will be yours, but the certificate will be given to the bank. You will only get a copy of the real estate certificate given by the bank. one! There are three bases for your down payment: 1. Contract 2. Receipt 3. Photocopy of the real estate certificate (it is already in your name, indicating that the down payment has been made). If it's an intermediary, there's no problem. They'll tell you what to do, so you don't have to mess around! When looking for an intermediary, you need to find one with high credibility, but generally the credibility of intermediaries is still good! Why do you need a down payment receipt for a house down payment voucher?

1. The down payment invoice only has the legal effect of a creditor's right and does not have the legal effect of a property right. In other words, what the developer currently owes you is the down payment. , not a house. Because according to the provisions of the Property Law, registration is the prerequisite for the effectiveness of real estate property rights (here, the effectiveness of ownership). In layman's terms, once you reach the stage of applying for a real estate certificate in the above-mentioned procedures, the house is legally yours.

2. During the period from now to signing the contract, in order to maximize profits, the developer can sell the house for which you paid the down payment to others, and will only bear a very light responsibility to you. Because you don't have a contract to bind the developer. If there is a contract, the developer will bear the liability for breach of contract as stipulated in the contract. When buying a house down payment receipt for a loan, does the bank take away the receipt?

The bank only accepts photocopies. The original documents can be inspected when checking the documents, and there is no right to take them away.

The customer must keep the original receipt for replacement invoice.

Home loan, also known as home mortgage loan. A home loan is when a home buyer fills out an application for a home mortgage loan to the bank and provides legal documents such as ID card, proof of income, house sales contract, letter of guarantee, etc. that must be submitted. The bank will make a commitment to the home buyer after passing the review. Grant loans, and handle real estate mortgage registration and notarization based on the house sales contract provided by the home buyer and the mortgage loan contract signed between the bank and the home buyer. The bank will directly transfer the loaned funds to the house selling unit within the period specified in the contract. on the bank's account. Is the receipt for a provident fund loan a down payment receipt?

Provident fund loan:

Materials required for housing provident fund loan:

Household register of the borrower and his spouse;

Resident ID cards of the borrower and his spouse;

Proof of the borrower’s marital status;

Proof of down payment for house purchase;

Bank Printed credit status report of the borrower and his/her spouse;

House sales contract or agreement that complies with legal requirements.

Conditions for applying for housing provident fund:

The individual and the employer must pay the housing provident fund continuously for one year;

The borrower has stable economic income, good credit, Have the ability to repay the principal and interest of the loan;

The borrower must have no less than 30% of the total house price when purchasing a commercial house. How long does it take to pay the down payment and the balance when buying a second-hand house?

When signing a contract for buying a second-hand house, a deposit or down payment must be made. On the day of transfer, the down payment must be paid in full. After the transfer, the bank mortgages the real estate certificate and issues other warrants. Under normal circumstances, it will lend itself a loan after 7-10 working days. The specific process of full payment purchase and loan purchase are different, and the specific payment time is also decided by the buyer and seller

What should I do if I lose the receipt, what should I do if I lose the receipt of the down payment for buying a house

When buying a house, you need to issue a formal purchase invoice, and the receipt is just a proof. There are several copies of the formal invoice, which the developer, you, and the housing management department all keep.

You and the developer who issued the receipt both have a copy of the receipt. You can use your house purchase agreement and ID card to find the developer to buy a house. What should you do if you lose the down payment receipt and hand over the house?

1. Under normal circumstances, the receipt Only useful in legal disputes.

The house purchase receipt is an important proof that the buyer has paid, and is also an important proof for financial accounting or tax declaration. If you do not need these functions, the importance of this kind of receipt will generally only be reflected when a legal dispute occurs, so you don’t have to worry too much when there is no dispute. You can bring your ID card, contract, bank voucher, and remittance record (journal account). , asking the developer to photocopy their copy and stamp it to indicate that it is consistent with the original can also play the above role.

2. In the event of a dispute, the home buyer can also use bank vouchers, remittance records, actual contract performance, etc. as evidence. If you file a lawsuit, you can ask the court to issue an "Investigation Order" and let the lawyer check the developer's receipt base and bank account, etc. As long as it happened, no one can deny it.

As for the consequences, in fact, home buyers have nothing to worry about. Can provident funds be withdrawn by using the receipt of the full purchase price instead of the down payment receipt?

Yes. According to the provident fund withdrawal regulations, you need to provide

1. Application (approval) letter for individuals to withdraw housing provident fund;

2. Original and photocopy of personal identity card (couples must provide marriage certificate for withdrawal) Original and photocopy).

Off-plan house: registered house purchase contract and house purchase invoice. If you lose the down payment receipt for buying a house, do you need it if you sell the house?

No, if you trade a house again, you only need to prepare the deed and tax payment invoice from the last transaction. How to pay the down payment for a second-hand house?

Things to note when making a down payment for a second-hand house

1. The buyer and seller sign a sales and purchase agreement with the assistance of an intermediary.

2. The buyer deposits the down payment into the seller’s personal account opened in the bank and the lending bank confirms it (as proof of down payment for the loan).

3. The bank, buyer, seller and intermediary sign a payment supervision agreement (i.e., a four-party agreement).

4. The buyer and seller handle the transfer of property, and the intermediary assists the buyer to go to the bank to handle the loan procedures.

After the bank approves the loan, the bank will directly transfer the money for the house to the account designated by the buyer and seller according to the four-party agreement (usually the seller's account. The account is opened by the seller at the bank and transferred to the bank by himself/herself. Set a password. )

5. The intermediary assists the buyer and seller in completing the property settlement procedures.

6. Find a trustworthy intermediary.

How to pay the down payment for a second-hand house requires doing enough homework in advance. There will be many "traps" during the down payment process, and the seller needs to be carefully considered.