Three-year installments with developers are legal.

It is legal to buy a house and pay the developer in installments. Installment payment requires the home buyer to have the ability to borrow. The home buyer must sign a relevant loan contract with the developer for installment payment. The home buyer pays part of the down payment, and the remaining part of the down payment is advanced by the developer, and then the remaining home purchase costs are paid to the developer in installments.

The so-called down payment installment means that the home buyer first signs a contract with the developer, and the developer advances the down payment, and the home buyer repays it to the developer on schedule without charging any interest. At the same time, the home buyer can apply for a loan normally. This method of transferring property rights may seem feasible, but in fact, the down payment ratio is stipulated by policy, so this behavior is illegal. When buying a house, you should act according to your ability.

Be sure to check whether the developer has a commercial housing pre-sale license. Having a license means that the developer has a land use certificate, planning license, construction project license, etc. This is the key to whether you can get a property ownership certificate when buying a house. When purchasing, please note that the building number you purchase is within the pre-sale range.

Article 60 of the "Contract Law of the People's Republic of China":

The parties shall fully perform their obligations as agreed.

The parties shall abide by the principle of good faith and perform notification, assistance, confidentiality and other obligations in accordance with the nature, purpose and transaction habits of the contract.