Your situation can be divided into the following categories.

1, if you haven't got the sales license for this house, you can't trade it yet. If so, in order to prevent risks, check out quickly.

2. The house you bought belongs to the renamed house, that is, someone bought it and resold it. Under normal circumstances, the procedures for renaming houses are also signed directly with developers. You pay the down payment to the original owner, and then go to the developer to sign the contract again. The down payment of the renamed house is paid to the original owner. If the developer really doesn't give you a refund, there's nothing you can do. The developer didn't charge you and you didn't sign any documents with the developer. If the developer cheats, it is not allowed to change the name directly. Your transaction is not recognized by the developer, which puts all the problems on you, the original homeowner and the intermediary. So you must involve the intermediary and the original owner.

If you are an on-the-job employee, you can buy provident fund. Developers are dragging the provident fund for the record, so what are the reasons why developers are slow to go to the provident fund center for the record? Has the auction been completed? Under normal circumstances, if the loan is signed by the provident fund loan, then as a developer, it should have been confirmed that the community can make provident fund loans. The delay of the developer's filing should not have a great impact on the buyer, and the buyer of the later loan can repay it later, as long as the loan is approved before the construction is completed. If you are still in a hurry, you can send a written inquiry letter to the developer asking about the filing progress and the reasons for not filing.

4, joint owners to discuss the plan, many hands make light work will be taken seriously. But generally speaking, the real estate bureau has put the house on record. Legally speaking, this house is already yours. Loan is a cooperative process between banks and real estate agents, as long as you provide all the information you need. Real estate development enterprises need to provide materials such as five certificates and two books to establish a contractual relationship with banks, and banks will lend funds to their customers and use houses as collateral. Personal credit information certificate, house purchase contract and loan contract. As long as the above procedures are true and meet the loan requirements, there is no need to worry. Bank loans are also limited by the amount. I don't know which city you are in. National loan policy is an important factor that directly affects real estate transactions. Therefore, the loan is tight, the loan amount is controlled, and your loan and bank also need enough cash flow. This is determined by each bank according to each time period and the bank's own operating conditions. Because the amount of housing loans is huge, especially when real estate is opened, there will be a phenomenon of large-scale centralized loans. Therefore, it is very common that the house payment is delayed according to the planned amount. I hope the above answers can help you, and hope to adopt them.

2. If I have a house purchase contract, can I get a loan from the bank?

cannot

3. Can I borrow money from the bank for the house purchase agreement?

Only if you have a house purchase agreement can you go to the bank for a loan. Banks need real estate licenses to mortgage loans, and they also need to go to relevant departments for mortgage procedures.

4. Is it not until the bank loan is approved that the house purchase contract can be formally signed?

Housing mortgage loan refers to a loan that an individual pays a certain proportion of down payment when purchasing a house with property right certificate and a house or commercial house that can be traded in the market, and the rest is applied to a cooperative institution with the house to be purchased as collateral.

1. Information required for mortgage loan:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse do not belong to the same household registration, a marriage certificate is required);

2. Original purchase agreement;

3. Original and photocopy of the receipt for advance payment of 30% or more of the house price 1 copy;

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;

5. The developer's collection account number is 1 copy.

Two. Mortgage loan conditions:

1. Aged between 18-65, with full capacity for civil conduct;

2. Pay the down payment;

3. Have a stable legal income and the ability to repay interest;

4. The borrower agrees to use the purchased house and its rights and interests as collateral;

5. The purchased second-hand houses have clear property rights and meet the requirements for entering the real estate market stipulated by the local government;

6. The purchased house is not within the scope of the announcement;

7. Other conditions required by the lending bank.

Third, the process of mortgage loan:

1. The lender prepares relevant materials, fills in the loan application at the bank and submits the materials;

2 loan banks should confirm and review the information after receiving the application;

3. After approval, the lending bank contacts the lender and signs relevant contracts;

4. When the bank lends money, the lender shall perform the repayment responsibility.