Let me answer the question that the loan contract must be collected in person. The loan contract generally requires the borrower to take the original ID card to the handling bank or the post-loan service center, and different banks have different regulations. You can consult the loan bank for details.
Do I have to go to the bank to get the mortgage contract in person?
Generally, you don't have to go to the bank to get the mortgage contract yourself. Generally, when buying a house for loan business, the sales department will have staff to accompany customers to the bank for loan business. Because the sales office generally has a cooperative relationship with the loan bank, it will take it directly to the bank to find the account manager to handle it directly. After the loan contract is issued in the bank, it will be handed over to the sales office staff, so I don't have to go to the bank myself.
In addition, there are two payment methods for purchasing real estate, one is full payment, and the other is applying for mortgage. In case of mortgage, the buyer needs to prepare relevant materials, such as proof of income, bank account, ID card and household registration book. If you are married, you need a marriage certificate. After the above materials are fully prepared, the sales office staff will arrange a time to take the customer to the bank for mortgage procedures.
legal ground
Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.
Natural resources owned by the state according to law may not be registered.
Article 210 of the Civil Law of People's Republic of China (PRC) Real Estate Registration Institution and Unified Registration of Real Estate The registration of real estate shall be handled by the registration institution where the real estate is located. The state implements a unified registration system for real estate. The scope, organization and method of unified registration shall be stipulated by laws and administrative regulations.
Do I have to get the house loan contract in person?
Unless otherwise agreed by the parties, the loan contract does not need to be collected by itself. According to the relevant laws and regulations, when a party participates in civil activities, he can go through relevant procedures by himself or entrust others to do so. If an agent is entrusted to another person, a certificate of entrustment shall be issued. Article 502 of the Civil Code of People's Republic of China (PRC) * * * A contract established in accordance with the law shall take effect upon its establishment, except as otherwise provided by law or agreed by the parties. In accordance with the provisions of laws and administrative regulations, if the contract should go through the approval procedures, such provisions shall prevail. If the failure to go through the formalities such as approval affects the effectiveness of the contract, it will not affect the performance of the obligation clauses such as approval and the effectiveness of relevant clauses in the contract. If the party that should go through the formalities for approval fails to perform its obligations, the other party may require it to bear the responsibility for violating its obligations. The modification, assignment and dissolution of a contract shall be subject to the provisions of laws and administrative regulations, and the provisions of the preceding paragraph shall apply and shall be subject to approval. Article 146 of the General Principles of the Civil Law of People's Republic of China (PRC) * * * The civil juristic act carried out by the actor or the counterpart for false intention is invalid. The validity of a concealed civil juristic act with false intention shall be handled in accordance with relevant laws and regulations.