After the loan is used to buy Evergrande's house, Evergrande will not give the original contract, but only a copy. Evergrande will not give the purchase contract together with the loan.

What if the developer doesn't give the purchase contract when the loan comes down?

According to what you said, it is impossible for a developer not to give a purchase contract.

After the loan is paid off, you can't get the contract: if you want a contract after 20 years of loan, who do you call? Is it possible for your developer to exist? That's it. Will it help you keep it for 20-30 years? ! The bank will not give you a house purchase contract, because the house purchase contract is the most important legal text of your loan contract, and the bank will not refund it and must put it on record.

I guess the developer won't give you the purchase contract, mainly because the number of copies of the purchase contract is not enough.

Think about it, is it possible that hundreds of thousands or millions of buyers have no original contracts? !

If you want to find a developer, you must give you an original purchase contract. Otherwise, you can find the competent unit of the developer or the real estate department. You can also find the Consumer Council of the Industrial and Commercial Bureau and ask the relevant departments to handle it.

What if the developer doesn't give the purchase contract after the purchase loan comes down?

1, the buyer has the right to ask the developer for the purchase contract;

2, you can ask the real estate management department to intervene;

3. Buyers can go to the Real Estate Bureau to check whether the developer has really handled the relevant housing procedures for you.

Legal basis:

"Regulations on the Management of Urban Real Estate Development and Operation" Article 33 The purchaser of pre-sold commercial housing shall, within 90 days from the date of delivery of the commercial housing, go through the formalities of land use right change and housing ownership registration.

Why didn't the developer give the purchase contract when the bank lent money?

First, the purchase contract is an important procedure and voucher for purchasing a house and an important document for protecting the rights and interests of the purchaser. Only the purchase contract registered by the competent department can fulfill its legal effect. After the registration of the purchase contract, a registration stamp will be affixed to the contract, and the number above is the contract registration record number. Property buyers can log on to Wuhan real estate market information network, type in relevant information to inquire about the contract registration and filing, or go to the real estate bureau to handle the contract registration and filing in person after consulting the developer. 2. If you can't find the registration number of the house purchase contract online, there may be two reasons. The first possibility is that the online information is not updated in time, and it only needs to be postponed for a few days; The second possibility is to take the contract number as the contract registration record number and accidentally enter the wrong number.

Legal basis:

Article 963 of the Civil Code of People's Republic of China (PRC): If the broker facilitates the establishment of the contract, the client shall pay the remuneration as agreed. If the remuneration of the broker is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, it shall be reasonably determined according to the services of the broker. Where an intermediary provides media services for concluding a contract, the remuneration of the intermediary shall be borne equally by both parties to the contract.

I have paid off the loan for half a year. Why haven't you given me the purchase contract?

Ask the developer for it.

The contents of the procurement contract should be as comprehensive and detailed as possible, and the terms should avoid conflicting with each other, especially with national policies and regulations; Written expression should be clear and accurate.

The identities and responsibilities of the buyers and sellers who sign the contract should be clear. For example, Party A (the seller) in the contract should not be an agent or lawyer, but should be the investment and construction unit of the project approval document, and should not sign the contract in the name of the superior competent unit or the subordinate institution. The signatory shall be the legal representative himself or the principal responsible person authorized by the Articles of Association.

Supplementary agreement:

There are supplementary provisions in the purchase contract. This kind of supplementary agreement is often the matters not agreed in the purchase contract, which are usually agreed in the supplementary terms. To some extent, the supplementary terms are more important than those agreed in the house sales contract, because the supplementary terms are agreed according to the different specific conditions of different projects.

If the mortgage can't be done, it is necessary to clarify the responsibilities of both parties. Buying a house usually requires a mortgage. In fact, in some cases, the mortgage loan has not been completed. The reasons for not doing it are very complicated, including the reasons for property buyers, the reasons for real estate developers, even the reasons for banks, and some comprehensive reasons. It is necessary to clarify what the respective responsibilities of both parties are if they cannot apply for a mortgage.

Baidu Encyclopedia-Purchase Contract

Why is there no loan contract for buying a house with a loan?

The reason for this is the following：

First, the following procedures are not completed: because bank housing loans have to go through many procedures, if the procedures are not completed, the bank will certainly not hand over the contract to the lender. But users don't have to worry, just wait patiently. After the bank completes the formalities, it will send a text message to remind customers to take the contract.

Second, the staff forgot: in some cases, the business is complicated, and the staff may forget to inform the customer, resulting in the customer not getting the housing loan contract. However, the bank has not announced it, and customers can also roughly calculate the time needed to apply for housing loans, bring their ID cards to the service desk of bank outlets to find staff to get contracts.

1. Can the down payment and deposit be refunded if the house loan is not approved?

1. If it is due to bank reasons, such as lack of credit, then the buyer can negotiate with the seller to terminate the house purchase contract, and the seller shall unconditionally refund the down payment.

2. If the loan approval is affected by the buyer's own reasons, such as tainted credit record or insufficient repayment ability, it should be solved as soon as possible, such as finding a guarantee company to guarantee or extending the repayment period. If it still can't be solved, we can only cancel the purchase contract. In this case, the buyer needs to bear the liability for breach of contract, pay liquidated damages to the seller, and the seller should return the deposit.

Therefore, no matter what causes the loan to be impossible, the down payment on the house purchase can be refunded. The only difference is whether the buyer needs to pay liquidated damages.

Second, is the mortgage for 20 years or 30 years?

Whether to choose a 20-year or 30-year mortgage depends mainly on the customer's own economic situation and repayment ability. If the customer's economic income level is not low, then 20 years is enough. There is no need to choose 30 years. If it takes too long, the sooner you pay your debts, the better. In addition, for more than ten years, we have to pay more interest. However, if the customer's economic income is average and the mortgage amount is relatively large, the monthly payment may not be low after 20 years, and the customer's repayment pressure will be relatively high. It is best to choose 30 years. After a long time, the monthly repayment amount will naturally decrease. In this way, the monthly payment burden of customers can also be reduced. If the customer's financial level rises in the later period and has enough funds in hand, he can also choose to repay in advance. After paying back some money in advance, if you think you are 30 years old, you can choose to shorten the repayment period and keep the monthly payment unchanged, so that you can pay off your debts earlier (if you think 30 years is right, you can choose to keep the repayment period unchanged and reduce the monthly payment).

Evergrande refused to borrow money to buy a house contract. After buying a house with a loan, Evergrande refused to give the original contract and only gave a copy of the introduction. I wonder if you found the information you need from it?