You can't get a bank loan when you buy a job and get a house. Work-for-relief means that the developer mortgages the right to use the property to the bank or material supplier in order to continue the project in the case of shortage of funds. Therefore, before the developer cancels the mortgage, the buyer can't apply for a loan again. In addition, it should be noted that there are many risks in buying this kind of house, and the owners must consider it carefully before buying it.

The risk of buying a job to a house

Workers are at risk when they go to their homes, developers have problems with funds, owe money to banks or builders, and houses cannot be transferred. Generally speaking, as long as the procedures are complete and the relevant precautions and terms are listed in the purchase contract, the works can be bought and sold.

1. Project mortgage refers to the property right or use right of all (or part of) unsold houses in real estate projects mortgaged by real estate developers for the construction or development of subsequent projects under certain conditions, such as banks or real estate-related industries (such as builders and material suppliers). Mortgaged houses can be purchased, but when purchasing, we should pay attention to the corresponding conditions for canceling the mortgage, otherwise we may not be able to obtain the rights of the house smoothly, leading to real estate disputes.

2. Clear the object of signing the house purchase contract. Although the "project mortgage house" was mortgaged by the developer to the creditor company, the property right of the house is still owned by the developer. Therefore, if property buyers want to buy "engineering mortgage housing", they must sign a purchase contract with the developer, and the purchase contract signed with the creditor company is invalid. If the creditor has gone through the transfer registration procedures and obtained the house ownership certificate, then the buyer should not sign a house purchase contract with the developer, but should sign a contract with the creditor, which is equivalent to buying a second-hand house.

Matters needing attention in buying a job to a house

1. You can't sign the house purchase contract and real estate license before it is released.

Before the mortgage formalities are lifted, workers cannot sign a house purchase contract or apply for a real estate license.

2. Sign a house purchase contract with the developer.

Although the house is mortgaged to the creditor company, the property right of the house still belongs to the developer. Therefore, after the buyer arrives at the house, it is invalid to sign a purchase contract with the developer and a purchase contract with the creditor company.

3. To transfer to a creditor company, a contract must be signed with the creditor company.

If the work mortgage house has been transferred to the creditor company, then the house will become a second-hand house. If you want to buy a house, you must sign a purchase contract with the creditor company.

Write the price in the contract and ask for the invoice.

Because it is cheaper for workers to go to their homes, when signing a house purchase contract, you should write the price in the contract and then ask for an invoice. Otherwise, it is really a hundred schools of thought to make up the difference with the contract in the later period.