According to the legal chart, if the mortgage is less than one year, you can go to the handling bank to ask for a contract. If there is no original, you can ask for a copy and affix the bank seal, which has the same legal effect as the original contract. You can also go to the local real estate trading center, that is, the Housing Authority, and ask the developer to assist in copying.
Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts. This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation.