The specific provisions are that if the house is sold and applied for re-mortgage, the maximum loan amount shall not exceed 70% of the transaction price or assessed value of the house, and the maximum commercial house shall not exceed 50%. If you apply for remortgage due to house donation, inheritance and other reasons, the amount of remortgage loan shall not exceed the original loan balance.

1, many discounts. Buying a house in full is a way that developers prefer, because when buying a house in full, buyers will pay the house price to the developer at one time, and the developer does not need to wait for bank loans, so the time for remittance is shortened a lot. At present, most real estate projects will provide preferential treatment for buyers who buy a house in full. Although the down payment is relatively large, from the perspective of the total amount of buying a house, the discount on the house price saves a lot of costs and does not generate loan interest.

2. The process is simple. If you buy a house in full, you don't need to go through the formalities of bank loan, just sign a house purchase contract with the seller. You know, the loan procedures are also very complicated, and you may not get a bank loan, so you don't need to consider these issues when buying a house in full.

3. No debt. After buying a house in full, you don't have to bear the monthly payment, so the relative pressure of life will be much smaller, not to mention the credit problems caused by forgetting to repay the loan.

4. sell well. For buyers who invest in buying a house or temporarily transition, the problem of selling a house will soon be involved after buying a house. A house with a loan is more difficult to sell than a house without a loan, so the problem of early repayment should be considered. Buyers who buy a house in full will not be bound by bank loans. Once the house price rises, they will change hands quickly and will not be trapped.

legal ground

civil law

Article 209 _ _

The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.

Natural resources owned by the state according to law may not be registered.

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.

Article 668

A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669

When concluding a loan contract, the borrower shall provide true information on the business activities and financial status related to the loan as required by the lender.