If the loan contract is lost, you can apply to the loan handling bank (the original loan bank) for copying the contract with your valid identity document. Please consult local institutions for specific requirements.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.

Where can I reissue the mortgage contract if it is gone?

If the mortgage contract is lost, the customer can print a copy at the bank. If it is a provident fund loan, they can print the contract at the provident fund center. Of course, customers can also apply for file search in the real estate mortgage department. There are still many solutions, and customers can choose flexibly.

The mortgage contract is very important to the customer, and there will be no problem under normal circumstances. However, once a debt dispute occurs, the mortgage contract can become an important document, and it is still very important to give legal support to customers.

How to make up for the loss of housing loan contract?

There are three remedies for the loss of housing loan contract:

1. The borrower can go to the developer or the Housing Authority to make a new copy;

2. If the borrower loses the loan contract before the bank mortgage, it is necessary for the borrower to declare the contract invalid. Three months later, he will apply for cancellation of the signed contract with relevant certificates, and then sign a new contract with the developer.

3. If the application for a loan to buy a house is a provident fund loan and there is no original house purchase contract, the borrower can also provide the information proof with the seal of the local house trading center.

How to calculate housing loan

Scientific selection of loan amount, loan method, down payment ratio and repayment method can help buyers do the right thing with the least money. Property buyers can reduce costs by choosing loans that suit them, so that funds can play a greater role. To this end, every property buyer needs to make careful calculations and reasonable arrangements according to his different economic conditions.

1. The total house price cannot exceed the actual repayment ability. Although buying a house with a loan can spend tomorrow's money to do today's things, the overdraft limit must be controlled within the effective solvency. The total purchase price of ordinary property buyers shall not exceed 6 times of the annual household income, and the monthly repayment shall not exceed 60% of the monthly income. For investment buyers, we should fully consider the cost of capital, because the bank's loan interest rate is not static;

2. The down payment is not as little as possible. The down payment of the Buyer shall not be less than 20% of the total house price. The larger the loan amount, the less the down payment. If you choose a small down payment, you can use other funds for other investments. Therefore, if buyers have extra deposits and other better investment channels, they can choose the one with the least down payment, because the return on other investments may be greater than the loan interest. If there is no better investment method, in the case of excess deposits, we still choose to pay more down payment, because the loan interest is much higher than the deposit interest;

3. The repayment period should be appropriate. The shorter the loan term, the less the monthly repayment. You should choose the repayment period according to your future income and expenditure and life stage. With the same loan amount, the monthly repayment amount in ten years is more than that in twenty years, but the total repayment amount is less than that in twenty years. According to experts' analysis, 15 to 20 years is generally suitable for housing loans.

Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC).

It is forbidden to lend at high interest rate, and the lending rate shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.