But if you want to apply for a loan with a house, you need to provide a real estate license to prove that the ownership of the house is in your name. Can provide relevant information to mortgage the house. If your house has a mortgage loan that has not been paid off, and there is no real estate license, you can also apply for a second mortgage. However, banks will also have relevant regulations on this item, such as repayment period of 2 years or more, good credit record, etc., depending on the requirements of mortgage banks. In short, you can't apply for a loan based on the purchase contract.
What should I pay attention to when signing a house purchase contract?
1, find out the parties in the contract
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.
Step 2 verify the condition of the house
Property buyers can understand from the following aspects when looking at the house: housing construction status, housing community status, 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. Clear trading procedures
Second-hand housing transactions can be divided into several major steps, such as looking at the house, signing a contract, paying the down payment time according to the contract, transferring ownership, handing over the house and giving the balance.
Property buyers should pay attention to retaining transaction evidence, and transfer 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; This is very important in the matters needing attention in signing the purchase contract. If you don't know anything about the transaction process, it will be very troublesome in the future and may bring losses to yourself.
4, clear responsibility for breach of contract
Real estate buyers and sellers should be clear about the strict liability for breach of contract, which is the guarantee for both parties to fulfill the second-hand housing sales contract in good faith. In practice, small down payment punishment or simple "the breaching party should bear the losses of the observant party" lacks practical effect.