The purchase contract is an agreement reached between the buyer and the real estate development enterprise on the basis of equality, voluntariness and consensus according to the Contract Law of People's Republic of China (PRC), the Law of People's Republic of China (PRC) on Urban Real Estate Management and other relevant laws and regulations. Then, how to borrow the full house purchase contract? Next, let's get to know it with Bian Xiao!
How to borrow the full house purchase contract?
All purchase contracts can be loaned (mortgage is used to buy faster houses), but second-hand houses must have real estate licenses before they can be transferred, because they can go to credit cooperatives and China Merchants Bank to mortgage loans, and only contracts can't mortgage loans.
Matters needing attention in house purchase contract loan
1. In the process of buying and selling new houses, the signing of the contract involves two parties: one is the buyer and the other is the developer. Property buyers, that is, the "buyer" in the purchase contract, will become the owner recorded in the real estate license; Need to pay the house price; Once the contract is violated, it shall be liable for breach of contract.
2. When looking at the house, we should start from the following aspects: building conditions, housing community conditions and housing rights. The verification of these situations will help you control the actual cost and risk of the transaction; Liability for breach of contract.
3. Second-hand housing transactions can be divided into several steps: looking at the house, signing the contract, paying the down payment according to the contract, transferring the ownership, handing over the house and giving the balance. Attention should be paid to these steps: keep the transaction evidence, transfer the ownership only when everyone on the property certificate is present, and check whether the other party has paid the property fee, water, electricity and gas fee when handing over the house.
Bian Xiao's conclusion: The above content is about how to borrow a complete house purchase contract. I hope I can help you. I believe that through the introduction of the content, you will know more about the matters needing attention in the purchase contract loan. If there is a demand in the future, you can refer to it.
Can I borrow money from the full house purchase contract?
Many friends and family members have worked hard for half their lives to save a sum of money and bought their favorite suites after selection. But suddenly something urgent happened and there was no spare money at hand. At this time, I will think about using my house as a mortgage, but I don't know much about this; Or some friends want to buy a house in full, and then borrow money through the purchase contract. The following small series will introduce you.
You can apply for a loan for a full house purchase contract. You need to sign a formal purchase contract and register with the local housing authority, and you can go to the bank for a loan only after you get the real estate license transfer. With the real estate license, you can apply for a mortgage loan. If you only have a contract, you can't apply for a mortgage.
When using the purchase contract to make loans, we need to pay attention to the two parties in the contract, one is the buyer and the other is the developer. In this process, we must carefully watch the contents of the contract. If we breach the contract, we need the defaulting party to bear the responsibility for breach of contract.
When buying a house, we must pay attention to the following aspects: the construction of the house, the situation of the community, and the rights and interests of the house. Be sure to check clearly when using the house purchase contract for loans, which can help you control the costs and risks in the transaction process.
If it is a second-hand house, it can be divided into the steps of looking at the house, signing the contract, paying the down payment according to the specified time, transferring the ownership, handing over the house, and the balance. In the meantime, you must keep the evidence of the transaction or the invoice and contract. At the time of transfer, the personnel on the real estate license must be present to handle the transfer. Be sure to find out whether the seller has settled the property fee, water, electricity and gas before delivering the house.
With the full purchase contract and real estate license, the parties go to the bank to negotiate according to the loan contract. After the negotiation is successful, the borrower applies. Therefore, the borrower can sign the loan contract after approval. Handling loans also requires borrowers to have stable income, good credit and good ability to repay the loan amount and interest.
The above are some personal opinions put forward by Bian Xiao about whether the full purchase contract can be loaned, and I hope it will be very helpful to everyone.
How to apply for a mortgage loan for a full house?
Full mortgage loan requires the borrower to fill out an Application for Mortgage of Residential Houses before handling the mortgage loan, and submit some relevant supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit, the loan guarantor's business license, legal person certificate and other credit supporting documents.
Mortgage means that the mortgagor and the creditor conclude an agreement in writing not to transfer the possession of the mortgaged property, and take the property as the guarantee of the creditor's rights. When the debtor fails to perform the debt, the creditor has the right to discount it according to law or give priority to compensation with the price of auction or sale of the property.
Real estate mortgage refers to the mortgage set with real estate as collateral.
The so-called real estate refers to the property that cannot be moved or will lose its original value or use value, such as land (in China, it is limited to the right to use construction land and the contractual management right of mortgaged land), buildings and other land attachments (such as houses).
Let's stop here for the introduction of how to borrow the full purchase contract.