Installment payment: the buyer and the seller must sign a payment agreement, and the buyer will pay the seller in installments according to the agreement, without going through the property transfer formalities first, and then go through the property transfer formalities after paying the full amount to complete the transaction; Mortgage loan: the buyer needs to pay the seller a down payment of 30% of the house price, then the buyer and his wife bring their ID cards, household registration books, marriage certificates and real estate licenses to the loan bank for face-to-face signing, and then go through the formalities of property transfer, and then the buyer mortgages the newly transferred real estate license, signs a loan contract, and waits for the bank to lend to the seller to complete the transaction. Mortgage is carried out in stages through banks rather than banks.

Second, the difference between installment payment and mortgage

The term of installment payment generally does not exceed one year. Installment payment is submitted and modified to the developer without interest. The mortgage is not only long-term, but also the repayment object is the bank, and the interest is also paid.

3. What's the difference between mortgage payment, installment payment and mortgage loan?

Mortgage means that the mortgagor (buyer) obtains the ownership of the purchased commercial house by installment. There are two meanings for buyers: first, the house payment can be paid in installments within the prescribed time limit; Second, in the installment stage, the ownership of the house is "pressed" and cannot be "uncovered" (taken away) until it is paid in full. In addition, mortgage trading involves three kinds of debt relationships-namely, the relationship between the mortgagor (buyer), the developer (seller) and the mortgagee (usually the relevant bank). Its procedure is that the mortgagee (bank) first signs a house purchase contract with the developer and prepays part of the house purchase price; Then the mortgagor (buyer) signs a mortgage contract with the mortgagee (bank) on the basis of this contract, and the bank pays the rest of the house price to the developer, and the buyer pays the mortgage bank regularly until the "mortgage price" is paid according to the regulations, and the mortgage process is over.

4. What's the difference between mortgage payment, installment payment and mortgage loan?

Mortgagor) installment payment. There are two meanings for buyers: first, the house payment can be paid in installments within the prescribed time limit; Second, in the installment stage, the ownership of the house was "suppressed" and obtained. In addition, mortgage trading involves the buyer (buyer), the developer (seller) and the mortgagee (in general, the mortgagee (bank) first signs a house purchase contract with the developer, and then the mortgagor (buyer) signs a mortgage contract with the mortgagee (bank) on the basis of this contract, and the bank pays the remaining house purchase price to the developer until the "mortgage payment" is paid according to regulations, and the mortgage process is over.