地产买卖合同很少有这种霸王条款。银行不按时放款的情况80%以上

如果有罚款条款，reading the contract, doing the calculation, assessing the risk based on the rate (just thinking you get the loan from bank) and future property appreciation. 预测最好和最坏的numbers. 投资者一般应该有个承受风险的底线。