Lenders can go to the developer or the Housing Authority to make a new one.
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 can apply for the cancellation of the signed contract with relevant certificates, and then sign a new contract with the developer.
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.
Holders of housing loan contracts: loan issuing banks, notary offices, real estate departments that handle mortgage procedures, and provident fund centers where provident funds handle loans.
Legal basis:
Measures of the People's Construction Bank of China for the Administration of Loan Files
Article 7 According to the different preservation and utilization values of various loan projects, the preservation period of RMB loan files can be divided into three types.
Where the national key construction projects, as well as construction projects with historical value of the loan files for permanent custody;
The retention period of loan files for general large and medium-sized construction projects and technical transformation projects above designated size is 10 ~ 20 years;
The file retention period of small-scale construction projects, technical transformation projects below the quota and working capital loan projects is 1 ~ 5 years.
The retention period of foreign exchange loan files shall be subject to the upper limit of the retention period of the corresponding RMB loan files.
Article 8 The storage period of loan files shall be counted from the second year after the loan principal and interest are fully paid off.
Article 9 The credit business departments of banks at all levels shall designate personnel to be responsible for the collection, sorting and filing of loan files.
Tenth loan files should be filed once a year. The archives of fixed assets loan projects are generally filed in two stages, that is, the first stage is filed after the completion of the project, and the loan principal and interest are recovered on schedule before supplementary filing; Working capital loan project files should be filed once after the loan principal and interest are recovered on schedule; The archival materials of overdue loans can be handed over and filed one year later than the normal filing time.
Article 11 The loan file manager designated by the credit business department shall collect and sort out all the loan files that should be filed in the previous year before the end of March each year. Then, according to the sequence of project completion time, the fixed assets loans and working capital loans filed in the second phase are registered in the "loan file transfer table" (referred to as "loan file transfer table") one by one. Transfer in duplicate, one for the archives department and one for the transfer department.