Legal analysis: The reasons why banks refuse to grant mortgage contracts may be: 1. The follow-up formalities have not been completed. After the bank formalities are completed, the customer will be informed to get the contract. 2. The staff forgot that if they didn't notice to take the contract within the specified time, they could take the initiative to go to the bank counter to find the staff to take it.
Legal basis: Article 3 of the Law of People's Republic of China (PRC) Commercial Bank, a commercial bank may engage in some or all of the following businesses:
(1) Absorbing public deposits;
(2) Short-term, medium-term and long-term loans;
(3) Handling domestic and international settlement;
(4) Handling bill acceptance and discount;
(5) Issuing financial bonds.
(6) Acting as an agent to issue, honor and underwrite government bonds;
(7) buying and selling government bonds and financial bonds;
(eight) engaged in interbank lending;
(9) Acting as an agent for buying and selling foreign exchange;
(ten) engaged in bank card business;
(eleven) to provide letter of credit services and guarantees;
(12) Agency payment and insurance agency business;
(thirteen) to provide safe deposit box services;
(14) Other businesses approved by the State Council Banking Regulatory Authority.
The business scope shall be stipulated in the articles of association of the commercial bank and reported to the the State Council Banking Regulatory Authority for approval.
With the approval of the People's Bank of China, commercial banks can engage in foreign exchange settlement and sale business.
Why didn't the bank give me the contract when I applied for a mortgage?
When making a mortgage, the bank usually gives a loan contract. If the mortgage has not been fully handled, you must wait until all the formalities have been completed before you can get it. If the end user can't get the loan contract, he can consult the bank or the person who handles the loan at this time and let him get the loan contract. Different banks may have different processes.
The repayment method is generally average capital and equal principal and interest. On the premise of the same loan conditions, the total interest of equal principal and interest repayment is higher than the average capital. The average capital requires the borrower's repayment ability to be higher, but it can be repaid in advance after handling the loan.
The mortgage applicant should be at least 18 years old, have full capacity for civil conduct, hold valid personal identification, the borrower has paid the down payment, submitted the bank account in the last six months, and his personal credit information is good. After the borrower submits the loan information, the bank will review it, and the loan can only be obtained after passing the bank review.
Mortgage cannot be overdue in the repayment process, because overdue repayment will generate penalty interest. If you can't continue to repay the arrears when applying for a mortgage, you can sell the house and pay it back. If the bank refuses to repay the loan within the time limit, it can sue the borrower, auction the house later, and then use the money to pay off the debt.
Why didn't I get the mortgage contract?
The reason why the mortgage loan contract was not given: 1. The loan approval is not completed. After the mortgage loan contract needs to be approved by the bank, the bank staff will inform the lender to go to the bank to get the loan contract. Second, the staff forgot to inform. If the staff has not informed the lender to get the loan contract after the loan is approved, it is suggested that the lender can contact the bank staff for consultation and get the loan contract.
Mortgage loan contract is the most powerful evidence of loan facts and a very important document for lenders. Lenders must properly keep the loan contract.