We know that when buying a house, you will sign a related purchase contract, but some parties will also sign a house purchase agreement. So are the house purchase agreement and the house purchase contract the same thing? Furthermore, as a high-value real estate, a house It is often used as loan collateral. So, can the house purchase agreement signed when buying a house be used for loans?

We know that when buying a house, a relevant house purchase contract will be signed, but some transactions will also be signed by both parties. House purchase agreement, are the house purchase agreement and the house purchase contract the same thing? Furthermore, as a high-value real estate, houses are often used as collateral for loans. So, can the house purchase agreement signed when purchasing a house be used for loans?

First of all, it needs to be clarified that a house purchase agreement is not the same as a house purchase contract. A house purchase agreement is a manifestation of a house purchase contract. It is an agreement signed by the buyer and seller on the purchase and sale of commercial housing based on equality, voluntariness, and consensus reached through negotiation. A formal house purchase agreement template will include information about the parties, the condition of the house, the house payment and payment agreement, and the agreement on the liability for breach of contract by both parties. In addition, the purchase agreement for a second-hand house will also include account stipulations and settlement of water, electricity and gas charges. Moreover, the house purchase agreement has certain legal effect, but the formal house purchase contract has greater legal effect.

Some home buyers, because they do not know enough about the subscription letter, are more casual when signing it, which brings them a lot of trouble. As an agreement before the developer meets the conditions for signing a formal "Commercial Housing Sales Contract", the subscription letter has the effect of guaranteeing the signing of a formal "Commercial Housing Sales Contract". According to the relevant provisions of the "Interpretations of the High People's Court on Several Issues Concerning the Application of Law in the Trial of Commercial Housing Sales Contract Disputes", if the subscription agreement does not violate the law, there are mandatory provisions of regulations, and at the same time it meets the effective conditions stipulated in the agreement, The agreement becomes legally effective, and both the developer and the purchaser shall enjoy the rights and perform their obligations in accordance with the agreement.

As for whether the house purchase agreement can be used for loans, it depends on the specific circumstances. Generally speaking, a home purchase agreement cannot be used for loans. But there are differences in different situations. In the end, it depends on the specific situation. If you only have a house purchase agreement, you will definitely not be able to get a mortgage loan from a bank, but you can get a loan from a small loan company. But it still depends on what you are using the loan for. If it is for business, and you have relevant supporting documents (such as a business license, purchase and sale contract), you can still get a bank loan through a guarantee company. In addition, this house without a real estate certificate but with clear property rights can still be used as a mortgage. There is no business that cannot be done, and there is no loan that cannot be obtained. It is still necessary to develop a specific and reasonable plan based on each customer's own situation.

Therefore, generally speaking, a loan cannot be successfully obtained with only a house purchase agreement, and a real estate certificate is required. Moreover, in order to facilitate the protection of rights, before buying a house, buyers should read it carefully or consult professionals, and make sure they have no objection to the relevant agreement or contract before proceeding.