2. If it is a house that is repaying the loan, the bank will not lend you any more on the basis of the purchase contract. You need to settle the loan from the last bank, take out the real estate license, and then apply for a loan from another bank (or the original bank). Note that mortgage loans require proof of the use of funds, and you can buy a house, decorate it, buy a car, etc.
3. The applicant and the development company negotiate to cancel the filing and re-sign the contract, so that even if they buy a first-hand house, they can make a down payment of 30%. However, if the developer's big house property certificate is completed, it will be more difficult to cancel the record.
4. I bought a first-hand house and want to sell it before the real estate license is issued. I need a guarantee company to guarantee it, because your real estate license is not issued. Even with the guarantee of the guarantee company, this kind of loan is still difficult to issue, and banks usually will not accept it.
What should I pay attention to when I go to the bank for a loan in a house purchase contract?
1. Buying and selling a house requires the joint participation of both husband and wife, and the property rights of the house need to be clear and uncontroversial, otherwise the property rights problem needs to be solved first. Both parties need to bring the original and photocopy of the basic documents, namely: ID card, household registration book, marriage certificate (single with the original single certificate), buyer's income certificate, bank account, proof of no room or first suite, and down payment certificate (the down payment can be paid to the seller by bank transfer at the loan bank after signing the contract).
2. Open a repayment card at the loan bank, and copy and original of the house purchase contract and real estate license (a copy of the mortgaged house is also provided). If a real estate agent is involved, a tripartite agreement is needed. The bank loan officer will check, verify and copy the receipt card opened by the seller in the loan bank. The loan officer and the business party take photos separately. Business parties sign relevant bank format contracts, various statements and IOUs, all of which are signed by handprints, and stamp duty is paid according to the loan amount. After the face-to-face signing by the bank, leave with the original and wait for the appraiser to come to the door for evaluation and loan approval.