First of all, I wonder why the landlord paid a down payment but didn't sign a formal contract. It is recommended that the ID card account go to the real estate bureau to check the files.

You are in danger now. If the developer sells one room and two halls. Or something. What is the initial contract? I haven't heard of it. . . . There are two possibilities for you to see the bright side. One possibility is that you just submitted the mortgage information unilaterally, because it is not a formal contract and has not been filed with the real estate bureau. You have never signed a loan contract with the bank, and you can't get a mortgage. There are still many steps in your loan process. Naturally, there will be no loan. The second is that the developer's certificate is not uniform when you initialled the contract. The purchase contract was not formally signed, but it was later completed. You can put on record and apply for mortgage, but you haven't informed the owner to change the contract. The developer may have signed for the owner. The loan is ready. After all, banks are short of money, so they don't sign contracts or lend money immediately. 2. Can the house purchase contract be mortgaged?

First, there are offset purchase contracts.

1, mortgage loan. Accurately speaking, a single-use house purchase contract generally cannot be mortgaged. If you want to apply for a real estate mortgage loan with a house, you must have a real estate license before you can apply for a real estate license. Generally, you can't apply for real estate mortgage loans. Only the real estate with complete double certificates can go through the mortgage registration formalities, and the lending institution can obtain his right certificate before lending.

2. Legal basis: People's Republic of China (PRC).

The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(1) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment and raw materials

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

What are the risks?

If it is a purchase, there are certain risks;

1, the wind of development projects

If the developer is poorly managed or misappropriates funds, it may not be completed on schedule, or even form a "unfinished" phenomenon, and the property purchased and mortgaged by the borrower becomes a "castle in the air"; The property purchased by the borrower has major quality problems. These circumstances will make it difficult to perform personal loan-related contracts, and affect the rights and interests of borrowers and lending banks.

2. Bank risk

Failing to strictly examine the borrower's situation; Because it is necessary to contact the developer's sales situation with the department where the funds in the project fund account flow, the mortgage registration is not implemented; Poor file management and loss of important contract documents, resulting in

3. Can I get a loan only if I buy a house contract?

1. You can apply for a mortgage loan for the first suite. With the purchase contract, lender's ID card, household registration book, down payment certificate, etc. Developers will generally provide phased guarantees until individuals obtain real estate licenses and complete mortgages. If you are a loan, the bank will not give you a loan, and there is a house purchase contract. You need to settle the loan from the last bank, take out the real estate license, and then apply for a loan at the bank. Note that mortgage loans require proof of the use of funds, and you can buy a house, decorate it, buy a car, etc.

4. Can I get a loan only if I buy a house contract?

Only the purchase contract cannot be used for loans. You must have proof of property to apply for a mortgage. The purchase contract cannot be lent.

Loan terms:

(1) has legal status;

(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) There is a legal and effective purchase contract;

(4) If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

(5) Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;

(6) Being able to provide effective guarantee recognized by the loan bank;

(7) Other conditions stipulated by the lending bank.

Extended data:

housing conditions

Housing property rights should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for trading without other mortgage; The house age (calculated from the date of house completion) shall not exceed 40 years.

Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others.

If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.

Loan process

1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor.

Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6 loan settlement, including normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.