1, the current actual situation. Generally, when signing a contract with the buyer, the real estate agent must stipulate in the supplementary agreement that the buyer pays the deed tax and public maintenance fund to the real estate agent in one lump sum, otherwise the real estate agent will not hand over the house, and the real estate agent will provide guarantee for the loan of the buyer. If you don't collect deed tax and public maintenance fund when you move in, the risk will increase.

2. If the purchaser fails to pay the deed tax and the public maintenance fund to handle the title certificate in time, the mortgage bank will not be able to handle the mortgage formalities, and it has been guaranteed by the developer. Once the purchaser fails to fulfill the obligation to repay the loan, the real estate developer can completely sell the house separately on the grounds of the purchaser's breach of contract and compensate for his own losses.

3. In addition, if the purchaser pays the purchase price in one lump sum, this reason of the real estate agent simply does not exist, mainly because the real estate agent did not violate various regulations in the specific operation. When the purchaser handles the mortgage loan formalities, the real estate agent will generally ask the purchaser to sign a power of attorney with at least two contents, namely, the agent handles the property right certificate, the agent pays the deed tax and the public maintenance fund.

4. Therefore, it is a "voluntary" entrustment for real estate developers to collect the deed tax and public maintenance fund from the buyers, instead of collecting and remitting them, thus evading the relevant regulations.

Second, I went to buy a house, and the developer said that I could only use commercial loans. What is the use of housing provident fund loans?

Some developers accept portfolio loans and some commercial provident fund loans, but developers say they can use loan banks to wear pants to cheat.

Three, about housing provident fund loans and commercial loans?

First of all, you need to know whether the developer's reply to your off-site provident fund loan policy is the same as the current off-site provident fund loan policy. Do you have clear evidence? He won't handle it for you if you meet the requirements. Lawyer developers can be consulted according to policies and evidence.

But now you have signed a business loan. If you want to transfer to public business, you must comply with the relevant policies of the provident fund.

I went to buy a house, and the developer said that only commercial loans could be used. What about housing provident fund loans? ...

Most developers accept portfolio loans, that is, some commercial loans and some provident fund loans. Developers say they can only use commercial loans, which is a trick for banks to lend money to them.