If the purchaser fails to purchase the house after paying the down payment, the down payment shall be handled in the way agreed in the reservation agreement, but in any of the following circumstances, the real estate development enterprise shall fully return the down payment paid by the purchaser:
1, the real estate development enterprise did not sign a written agreement to collect the deposit;
2. There is no agreement or unclear agreement on the handling of the deposit in the signed written agreement.
Extended data
2065438+On March 25th, 2006, Shanghai issued "Several Opinions on Further Improving Shanghai's Housing Market System and Security System to Promote the Stable and Healthy Development of the Real Estate Market", which made it clear that the down payment ratio should not be less than 50% for households with/kloc-0 apartments who apply for commercial personal housing loans to buy ordinary self-occupied houses again to improve their living conditions; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.
Calculation method
The down payment amount was determined according to the national policy at that time. For example: 30,000 yuan/flat house, 100 flat house is 3 million. Then, 20% down payment is 600,000, 30% down payment is 900,000, and 40% down payment is 654.38+0.2 million.
national policy
In the Notice of the General Office of the State Council on Forwarding the Opinions of the Ministry of Construction and Other Departments on Adjusting the Housing Supply Structure and Stabilizing Housing Prices, since June 1 2006, the down payment ratio of individual housing mortgage loans shall not be less than 30%. Considering the housing needs of low-and middle-income people, the down payment ratio of 20% will still be implemented for those who buy self-occupied houses below 90 square meters.
Baidu encyclopedia-down payment