Seller: _ _ _ _ _ _ Buyer: _ _ _ _ _ _ _
ID card: _ _ _ _ _ _ ID card: _ _ _ _ _ _ _
Address: _ _ _ _ _ _ _ Address: _ _ _ _ _ _ _
According to People's Republic of China (PRC) Civil Code, People's Republic of China (PRC) Urban Housing Management Law and relevant laws and regulations, the Buyer and the Seller sign this Contract on the basis of equality, voluntariness, fairness and consensus for mutual compliance.
Article 1 Buying and selling the subject matter
The seller voluntarily sells his house to the buyer, and the details of the house are as follows:
1. The ownership certificate of the house sold by the seller is "_ _ _ _ _ _ _ _ _".
2. The house sold by the Seller is located in _ _ _ _ _ _ _ _ _
3. The registered construction area of the house sold by the Seller is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
The seller shall transfer the land use right within the occupied area of the house and the relevant rights and interests of the house to the buyer together with the house.
Article 2 The Buyer and the Seller declare that
The Seller declares that it guarantees that it has truthfully stated the ownership status and other specific conditions of the above-mentioned house. The seller confirms that the house is free from lease, mortgage, guarantee, property right, financial ownership and adverse events, and the information provided is complete, true and effective, and can handle various matters related to the transaction, such as ownership transfer, tax registration and loan application. Ensure that the house is not legally pursued by others. The house is owned by two sellers, and the sellers have the complete right to dispose of the house and have the full right to sign the house sales contract and related agreement documents. From the date of signing the Contract, the Seller shall not dispose of the house in any way of real right, attach any burden of real right and creditor's rights, and sign any sales contract, gift contract or mortgage contract with any third party other than the Buyer. All rights such as the ownership and use right of the house belong to the buyer, and the seller shall bear legal responsibilities for the consequences caused by violating the policies of the state and Guizhou Province on house transactions. For other related matters caused by the seller's misrepresentation, the seller shall bear the liability for breach of contract to the buyer and the obligation to deal with it to a third party, which has nothing to do with the buyer.
The Buyer declares that the Buyer purchases the house of the Seller mentioned in Article 1 of the Contract, pays the house price, performs all the obligations agreed in the Contract, and assumes the legal liabilities for violating the obligations in the Contract.
Article 3 The affiliated account of the house
For the account attached to the house, the Seller promises to move out within 3 months from the date when the Buyer and the Seller complete the transfer and renaming procedures. In case of overdue, the Seller shall pay 0.5 ‰ of the total house price to the Buyer as penalty.
Article 4 Sales price
The total selling price of the house is RMB _ _ _ _ _ _ _ (in figures: _ _ _ _ _ _).
Article 5 Payment Terms
The Buyer and the Seller agree to pay by mortgage of provident fund loan, and the Buyer shall pay the down payment of RMB _ _ _ _ _ _ _ _ _ _ (in figures: _ _ _ _ _ _ _ _ _ _) to the Seller on the day when the taxes and fees are paid in the real estate trading center, and the remaining house price is RMB _ _ _ _ _ _ _ _ _ _.
Article 6 Tax and fee commitment
Relevant taxes and fees shall be borne by the buyer through negotiation between both parties.
Article 7 delivery of houses
The Seller shall, within five days after receiving the loan approval document from the Provident Fund Center, formally deliver all the traded houses to the Buyer for use, and perform the following procedures:
1. The seller shall ensure that the basic conditions of the house and its existing facilities are in good condition before the formal delivery of the house. If there is any problem with the above basic conditions, the seller will come forward to assist in handling it.
2. The buyer and the seller shall * * check and accept the list of the house and its ancillary facilities, equipment, decoration and related items, record the readings of water, electricity and gas meters, and handle the handover procedures.
3. hand over the key to the house.
4. Other matters to be completed as stipulated in this contract.
Only after all the procedures specified in this article are completed, the acceptance and delivery of the house will be deemed as completed.
Article 8 Liability for breach of contract for overdue delivery.
Except for irresistible natural disasters, if the seller fails to implement the delivery deadline agreed in the contract, and it is overdue for more than one month, it shall be deemed that the seller has failed to perform the contract, and the buyer has the right to terminate the contract, and the seller shall be liable for breach of contract according to Article 9 of the contract.
Article 9 Liability for breach of contract
After the Buyer and the Seller sign the contract:
If the purpose of the Contract cannot be achieved due to the Seller's failure to perform the obligations stipulated in the Contract, it shall notify the Buyer in writing and return all the paid money (refund of house price = interest paid by the Buyer) to the Buyer within 5 days, and the Seller shall bear the relevant tax losses for handling the formalities.
If the purpose of the contract cannot be achieved due to the buyer's failure to perform the obligations agreed in this contract, it shall notify the seller in writing, and the seller shall partially refund the payment made by the buyer within 5 days (refund of house price = paid by the buyer-interest), and the buyer shall bear the relevant tax losses for handling this procedure.
The interest shall be calculated at the monthly interest rate of 2% of the house price paid by the Buyer from the effective date of the Contract to the termination date of the Contract.
That is: interest = months from the signing of the paid house payment contract to the termination ×2%.
This contract can only be terminated after the house payment and interest are fully settled.
Article 10 Resolution of conflicts between this Contract and other documents
If the commitments and agreements made by the buyer and the seller before the signing of this contract are inconsistent, this contract shall prevail. For matters not covered in this contract, the Buyer and the Seller may sign supplementary clauses or supplementary agreements separately. Supplementary clauses or supplementary agreements are an integral part of this contract.
Article 11 the dispute settlement method of this contract
Disputes arising from the performance of this contract can be settled by both parties through consultation and litigation.
Article 12 Contract Quantity and Holding Capacity
The Contract has 5 pages in total and is made in quadruplicate, with the Seller 1 copy and the Buyer 1 copy, and the rest shall be submitted to the relevant departments, all of which have the same legal effect. This contract shall come into force as of the date of signature (seal) by both parties.
Seller (signature): Buyer (signature):
Tel: Tel:
Date: Date:
Nanchang provident fund loan amount
First, the upper limit of Nanchang provident fund loan
1. The maximum loan amount is adjusted to 500,000 yuan for purchasing houses in urban areas and 600,000 yuan for purchasing ordinary houses.
2. In Nanchang County, Xinjian County and Wanli District, the maximum loan amount is adjusted to 400,000 yuan, and for ordinary houses, the maximum loan amount is adjusted to 450,000 yuan.
3. In Anyi County and Jinxian County, the maximum loan amount is adjusted to 300,000 yuan, and for ordinary houses, it is adjusted to 350,000 yuan.
Second, Nanchang housing provident fund loan interest rate
Under the five-year period (including five years), it will be lowered by 0.20 percentage points, from 4.20% to 4.00%; After five years, it will be lowered by 0.20 percentage points, from 4.70% to 4.50%.
The above is the relevant information compiled by Bian Xiao for you. Through the above, we have a further understanding of these issues. If your situation is complicated, Hualv. Com also provides online lawyer consultation service. You are welcome to come for legal consultation.
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Housing provident fund loan contract template
What is the provident fund loan contract?
Customer (Party A):
Trustee (Party B):
Party A entrusts Party B to issue housing provident fund loans to _ _ _ _ _ _ (hereinafter referred to as the borrower) according to relevant regulations. Party B agrees to accept the entrustment of Party A. Party A and Party B sign this contract through consultation according to relevant national laws and regulations.
Article 1 Party A entrusts Party B with RMB funds (in words) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
Article 2 When Party A entrusts Party B to issue housing provident fund loans, it shall open a special deposit account in the business department of Party B, and deposit RMB funds (in words) into the special account for loan issuance within three days after the contract comes into effect.
Article 3 The object, amount, type, purpose, term, interest rate, withdrawal and repayment method of housing provident fund loan shall be determined by Party A in the Notice of Housing Provident Fund Loan according to the specific conditions within the scope of relevant national laws.
Article 4 After this contract comes into effect, Party A shall submit the Housing Provident Fund Loan Notice to Party B when granting the housing provident fund loan to the borrower ... After receiving the Housing Provident Fund Loan Notice and the attached materials submitted by Party A, Party B shall grant the housing provident fund loan according to the requirements of the Housing Provident Fund Loan Notice.
Article 5 Before issuing the housing provident fund loan to the borrower, Party B shall sign the Loan Contract for Housing Provident Fund Loan of Central State Organs with the borrower, and submit the original contract to Party A for retention within 2 days after the contract comes into effect.
Article 6 Party B shall not be liable for the loan losses caused by reasons other than Party B's.
Article 7 Party A shall require the borrower to provide guarantee for the housing provident fund loan under this contract. The guarantee method, guarantor and collateral shall be examined and approved by Party A, and shall be specified in the Notice of Housing Provident Fund Loan.
Article 8 If the borrower fails to use and repay the loan principal and interest as agreed in the Housing Provident Fund Loan Contract of Central State Organs, Party B may impose necessary sanctions on the borrower according to the relevant regulations of the bank.
Article 9 Interest and handling fees. Interest on housing provident fund loans shall be charged by Party B to the borrower and settled monthly. Party B shall transfer the loan interest to Party A's account the day after receiving the interest. In case of national interest rate adjustment, Party A shall go through the interest rate adjustment procedures according to national regulations. The handling fee charged by Party B for issuing housing provident fund loans shall be paid according to the agreement signed by both parties.
Article 10 Party B shall transfer the full amount of the loan to Party A's account the day after each loan recovery.
Article 11 The extension of the housing provident fund loan can only be handled with the written notice of Party A. ..
Article 12 After this contract comes into effect, neither Party A nor Party B may change or terminate it without authorization. When it is necessary to change the terms of this contract or terminate this contract, both parties shall reach a written agreement through consultation.
Article 13 Liability for breach of contract
1. If Party A fails to deposit the agreed funds into the special account as scheduled according to Article 2 of this contract, or issues housing provident fund loans in excess of the total amount of deposits in the special account, or fails to submit relevant materials to Party B in violation of the provisions of Articles 3 and 4, and both parties fail to reach an agreement on changing the above terms, Party B may refuse to issue housing provident fund loans, and may require Party A to pay a penalty of 5% of the total amount of loans as appropriate.
2. If Party B fails to issue the housing provident fund loan according to the loan object specified in this Contract and the Notice of Housing Provident Fund Loan, Party A may require Party B to pay a penalty of 5% of the total loan amount, and if the loan losses are caused, Party B shall also be liable for compensation.
3. In violation of the provisions of Article 11 of this contract, if Party B issues loans to the borrower without authorization, it shall pay Party A a penalty of 5% of the loan balance. Party A may also require Party B to recover the extended housing provident fund loan within a time limit. After the liability for breach of contract is clear, the breaching party shall take the initiative to pay the liquidated damages.
Article 14 Where the matters not covered in this Contract are inconsistent with the Agreement on Payment of Housing Provident Fund Business Expenses and Incentive Funds signed by Party A and Party B, the Agreement on Payment of Housing Provident Fund Business Expenses and Incentive Funds shall prevail, and relevant procedures shall be handled in accordance with the Operating Rules for Housing Provident Fund Loans of Central State Organs.
Article 15 Ways to settle disputes
Disputes arising from the performance of this contract shall be settled by both parties through consultation or mediation. If negotiation or mediation fails, the parties may apply to the people's court in the place where the contract is signed or the contract arbitration institution in the place where the contract is signed for arbitration.
Article 16 Matters not covered in this contract shall be implemented in accordance with relevant national laws, regulations and financial systems.
Article 17 This contract shall come into effect from the date when the legal representatives or authorized signatories of Party A and Party B sign and affix the official seal of the unit, and shall become invalid after the housing provident fund loan of Party A is fully recovered.
Article 18 The Notice of Housing Provident Fund Loan and other materials required by Party B from Party A are an integral part of this contract.
Article 19 This contract is made in duplicate, with each party holding one copy.
Party A: Party B:
Legal Representative: Authorized Signatory:
Year, month, year, month, year
Bank loan refers to an economic behavior that banks lend 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 a guarantee, a house mortgage, proof of income and good personal credit information before you can 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 mostly take the form of discounted bills, credit accounts and overdraft accounts.
Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.
Loan skills
Now more and more post-80s and post-90s loans buy houses and cars. For a time, the loan business provided by banks has become the "new darling" of the times. However, it is still a bit difficult to get a loan successfully in a bank, and it is even more difficult to get a loan at a certain time. Here are some tips for successful loans, hoping to help more people get successful loans.
1. Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
2. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability, family income, etc. in detail. Make sure that your loan can be repaid on time no matter when, where or how.
4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.
So much for the template introduction of provident fund loan contract.