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If the purchase contract is not filed, can the loan come down?
Loans are not allowed if the purchase contract is not filed, nor are commercial loans and provident fund loans allowed. Only when the contract is filed can the norms of the contract between the two parties be confirmed and the bank can lend. The registration and filing system mainly examines the legality of the pre-sale of commercial housing by real estate developers through the management of the pre-sale contract of commercial housing, so as to protect the legitimate rights and interests of buyers and prevent the phenomenon of "selling more than one room" during the pre-sale.

What should I pay attention to when signing a house purchase contract?

1, two books on the five certificates of developers are complete, and I really know fairly well.

"Five certificates" refer to: state-owned land use certificate, construction land planning permit, construction project planning permit, construction project construction permit and commercial housing sales (pre-sale) permit. "Two books" refer to: residential user manual and residential quality guarantee. Only these can show that the house is legal and the property rights will be protected.

2. The terms about the house quality should be accurate.

Property buyers must write down the quality requirements of the house in detail when signing the contract. For example, the decoration standards and grades of bedrooms, kitchens and bathrooms; List and grade of building materials; List of indoor equipment; Water, electricity, gas and pipelines are unobstructed. The contract can also stipulate the shelf life of the house, the storage period of ancillary equipment and so on.

3. There must be no less terms about price, fee and payment.

The price terms of the house should be relatively clear, and the detailed terms should constrain the developers not to increase the price at will, and at the same time, they should not include other unreasonable expenses. In the terms of payment method, the payment method should be clear and detailed, such as the time and amount of down payment, the steps, time and amount of installment payment, etc.

4. The terms about the housing area should be clear.

The price of commercial housing is calculated according to the construction area, which consists of two parts: interior construction area and shared interior construction area. Therefore, it should be stipulated in the contract how much the interior construction area and the shared interior area are respectively, and the construction area, interior area, interior area, interior area and their calculation methods and treatment methods should be agreed.

5. There must be no shortage of provisions on the processing period of real estate license.

Some developers will delay the processing time for various reasons. Therefore, buyers should clearly stipulate the processing time of real estate license in the purchase contract, and stipulate the liability for breach of contract of both parties. According to the Measures for the Administration of Commercial Housing Sales, the agreed time limit for handling the title certificate should be 60 days.

6. The delivery time and expected delivery conditions should be specific and clear.

The contract should clearly stipulate the decoration standard of delivery, the service items and expenses of the property, and also clarify the liability for breach of contract. Note that developers use the right of "reasonable delay" to delay the delivery time.

7. Clear the responsibility of checking out.

After receiving the notice of occupancy, buyers will spend some money to decorate the house, such as buying furniture and electrical appliances, but once they check out because of the developer, if it is the developer's own problem, let the developer compensate the buyers!

8. Write real estate planning and advertising content into the purchase agreement.

Because most developers tend to exaggerate the advantages of houses in order to sell their own houses, the publicity is gorgeous, so buyers should request that the purchase agreement be attached to the purchase contract, but there are no agreed matters in the purchase contract, which are usually agreed in the supplementary terms. Writing property planning and advertising content into the agreement can protect the rights and interests of buyers!