Generally speaking, the bank loan contract is at least in duplicate, that is to say, the bank will take one in its own hands. If you sign a loan contract, but you don't have it, you must remember to ask the bank to get your contract back. It is influential that the loan contract is not brought, because the contract is a voucher material, so if there is one, the contract must be presented.
Therefore, if you don't get the contract, you can't protect your legitimate rights and interests. After signing the loan contract, the user must take a copy in his own hand.
Where is the housing loan contract?
The real estate administration doesn't have your mortgage contract, only your real estate purchase contract. If you want to find a loan contract, you can only go to the bank that originally handled the loan. The Housing Loan Contract is made in triplicate, one for each party to the real estate transaction and one for the bank. The purchase contract is made in quadruplicate, one for the general housing authority, one for the developer, one for the bank and one for the buyer himself. When buying a house with a loan, the bank will collect the loan contract together with other information of the borrower. After the loan is settled, the loan purchase contract and other materials will be kept in the bank file for the superior supervision to check whether the operation meets the requirements, so it will not be returned. If you don't receive the original purchase contract after buying a house, you can ask the developer for it.
Excuse me, where can I get a house loan contract?
The mortgage loan contract was obtained at the bank that issued the loan. In general, the lender applies to the bank for mortgage. After the bank examines the buyers, if the loan conditions are met, the bank will allow the loan. After the approval, the bank will notify the applicant, and the applicant will receive the mortgage contract from the loan bank after receiving the notice.
What are the points for attention in the housing loan contract?
1. Identify both parties.
What needs to be clear is that the parties to the contract involve two parties in the process of buying and selling new houses.
One is a property buyer and the other is a developer. The buyer is the "buyer" in the house purchase contract. He will become the person recorded in the real estate license and need to pay the house price. Once he breaks the contract, he will be liable for it.
Step 2 verify the condition of the house
When you look at the house, you can understand it from the following aspects: housing construction status, housing community status and housing rights. The verification of these conditions will help you control the actual cost and default risk of the transaction.
3. Clear trading procedures
Second-hand housing transactions can be divided into several major steps, such as looking at the house, signing a contract, paying the down payment time according to the contract, transferring ownership, handing over the house and giving the balance.
These steps need attention: keep the transaction evidence, the owner of the real estate license can only transfer the ownership in the presence, and check whether the other party has paid the property fee, water, electricity and gas fee when handing over the house; This is what should be paid attention to in signing the purchase contract. If you don't know anything about the transaction process, you will be in trouble when you transfer the ownership in the future, and you may also bring yourself losses.
Repayment method of mortgage loan
1. Equal repayment of principal and interest
The principal is gradually increasing.
The so-called matching principal and interest repayment means to repay the loan principal and interest with the same amount every month within the loan period until the loan is settled.
That is, the sum of the interest and principal repaid by the borrower every month is equal, and the ratio of interest and principal to the planned monthly repayment amount changes every time. At first, because of the large amount of principal, interest accounts for a large proportion, and the current principal payable = planned monthly repayment amount-current interest payable. With the increase of repayment times, the proportion of principal gradually increases.
Taking a loan of 200,000 yuan for 20 years as an example, if the annual interest rate is 7.47%, the monthly repayment will be 1.607.55438+0.96 yuan, and the total interest paid will reach1.858,04.7 yuan, and the total repayment will reach 385,804.7 yuan.
Calculation formula:
Planned monthly repayment amount = [loan principal × monthly interest rate ×( 1 interest rate) repayment months ]=[( 1 interest rate) repayment months-1]
Number of repayment months = loan period × 12
Monthly interest rate = annual interest rate/12
Number of repayment months = loan period × 12
2. Equal principal repayment
Interest from more to less.
Average capital repayment method refers to equal repayment of the principal every month, and the loan interest decreases month by month with the reduction of the principal until the loan is settled.
That is to say, the amount of principal repaid every month is equal, and interest = current remaining principal × daily interest rate × current calendar days. The monthly repayment amount is not fixed, but decreases with the decrease of monthly principal, and the interest gradually decreases with the increase of repayment times.
Similarly, take the repayment of a loan of 200,000 yuan in 20 years as an example. The annual interest rate is 7.47%, and the repayment is 2,078.33 yuan in the first month, and then decreases every month, and the repayment is 838.52 yuan in the last month. Interest was paid 150022.5 yuan, and the total loan repayment was 350022.5 yuan.
Calculation formula:
Planned monthly repayment amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate.
Accumulated repaid principal = months of repaid loan × loan principal/months of repayment.
These two methods have their own advantages.
Similarly, 200,000 yuan or 20 years, the interest of equal principal and interest repayment is 35,782.2 yuan more than that of equal principal repayment. Obviously, the interest of "principal" is lower than "principal and interest", but is "principal" repayment the best choice?
Bank analysts said that the advantages of "principal and interest" repayment are equal monthly repayment amount and balanced repayment pressure, which is convenient for borrowers to arrange family income and expenditure plans reasonably, and is undoubtedly the best choice for families who are proficient in investment and good at financial management.
As long as the return on investment is higher than the loan interest rate, the longer the capital takes up, the better. This repayment method is also suitable for borrowers with relatively stable or slightly increased income in the future, such as some young people who are short of funds but have the ability to repay loans in advance in the future, so the interest will be relatively reduced.
The "principal" repayment method has a large monthly repayment amount at the initial stage of the loan, and the repayment pressure is heavy, especially in the case of a large total loan, with a difference of several thousand yuan. But with the passage of time, the repayment burden is gradually reduced. Suitable for people with higher income and a certain economic foundation, but the future burden is expected to increase.
Where can I get a loan contract?
The mortgage contract can be obtained at the bank.
Supplement:
Take the terms of the contract:
Have a legal status;
Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;
There is a legal and effective purchase contract;
If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;
Being able to provide effective guarantee recognized by the loan bank;
Other conditions stipulated by the lending bank.
Extended data:
Customers should pay attention to the following points when handling mortgage loans:
1. Be sure to prepare your ID card, household registration book, bank account number, salary slip, down payment receipt and other relevant information. , and the information provided must be accurate and consistent with the real situation, so as not to affect the mortgage approval due to incomplete or incorrect information.
2. Apply for an appropriate loan amount according to the total house price, actual economic situation and repayment ability. To apply for individual housing provident fund loans, you must also consider the balance of the housing provident fund account. Don't blindly apply for excess, lest you can't do it, or the repayment burden is too heavy after doing it.
3. If you apply for a personal housing provident fund loan, it is best not to use the housing provident fund at will before handling it.
4. If you have a lot of debts under your name now, you can pay off your debts before applying for a mortgage, or pay off part of them first, which can reduce your personal debt ratio.
5. Choose the appropriate repayment method. The average capital repayment method requires a higher level of economic income. After all, the pressure of prepayment is greater, which is suitable for customers with a certain economic foundation. If the economic conditions do not allow excessive investment in early repayment, you can choose the repayment method of equal principal and interest.
6. If your credit conditions are average, you can find a person with good credit to guarantee your mortgage and improve the chances of loan approval.
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.
Where can I get a loan contract?
The loan contract was taken at the loan bank. It usually takes some time to approve a loan. After the loan is approved, the bank will notify the applicant and then go to the loan bank to collect it.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.