The difference between the house purchase loan contract and the house purchase contract is as follows:

1, the purchase contract is a contract signed by the buyer and the developer at the time of purchase. The theme is the house. When making a loan, you can apply for a mortgage loan contract with the purchase contract, and then apply for a real estate license with the purchase contract;

2, and the purchase loan contract is a contract signed with the bank when handling the loan, and the subject matter is the bank loan;

3. The nature of the house purchase contract is a sales contract, and the nature of the house purchase loan contract is a loan contract.

The process of signing a house purchase contract is as follows:

1. Read the contents of the contract carefully. After the buyers get the purchase contract, don't rush to sign it. They should read the contents of the contract carefully. If they don't understand some terms and technical terms or have vague concepts, they can consult each other and start signing the contract after they fully understand them.

2. Look for the signing subject to avoid the phenomenon of "selling more in one room" or absconding with money after defrauding the house payment;

3. Check whether the contract includes the following contents:

(1) Party A's land use basis and commercial housing situation, including location, area, existing houses, forward houses, etc.

(2) House prices, including taxes and fees, the handling of area differences, and special agreements on price and cost adjustment.

(3) Payment agreement, including preferential terms, payment time, payment amount, liability for breach of contract, etc.

(4) House delivery agreement, including time limit, liability for overdue breach of contract, design change agreement, house handover, liability of the defaulting party, etc. ;

(5) Quality standards, including decoration and equipment standards, commitments and liabilities for breach of contract, commitments for normal operation of infrastructure and public supporting buildings, and quality dispute handling, etc.

(six) property registration and property management agreement;

(7) warranty responsibility;

(8) Party B's right to use;

(9) A dispute arbitration institution recognized by both parties;

(10) Liability for breach of contract;

(1 1) Other related matters and accessories, including house plan, decoration, equipment standards, etc.

To sum up, the purchase contract and the loan contract are two different concepts. If the parties want to buy a house, they need to know the difference between the purchase contract and the loan contract. When signing a contract, you need to carefully check the contents of the contract to avoid harming your own interests.

Legal basis:

Article 595 of the Civil Code of People's Republic of China (PRC)

A sales contract is a contract in which the seller transfers the ownership of the subject matter to the buyer and the buyer pays the price.

Article 667

A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.