The loan contract is usually in triplicate, one for the lender, one for the loan bank and one for the guarantee institution. Of course, different loan products will have differences in the number of loan contracts, and lenders can consult specific loan banks.

After the loan application is successful, the customer must go to the bank to retrieve his loan contract in time and keep it properly. Although there will be no problem under normal circumstances, in the event of a loan dispute, the loan contract is a weapon to protect yourself.

How many copies of the mortgage purchase contract?

Mortgage purchase contract in quadruplicate. The mortgage purchase contract is made in quadruplicate, one for the seller, one for the buyer, one for the bank and one for the Land and Resources Bureau. Within 30 days after the signing of the contract, the developer will get the Land and Resources Bureau for filing, and the developer will make a one-time payment after filing. After paying the full amount, two copies will be given to the buyer and two copies to the bank. After the bank completes the mortgage registration, it will give a copy to the buyers.

How many copies of the loan purchase contract?

Mortgage to buy a house Contract is made in quadruplicate, one for the buyer, one for the developer, one for the bank and one for the Housing Authority. The purchase contract is an agreement reached between the buyer and the real estate development enterprise on the basis of equality, voluntariness and consensus according to the Law of People's Republic of China (PRC) on Urban Real Estate Management and other relevant laws and regulations. According to Article 464 of the Civil Code, a contract is an agreement between civil subjects to establish, change and terminate a civil legal relationship. Agreements on status relations such as marriage, adoption and guardianship shall be governed by legal provisions on such status relations; If there are no provisions, the provisions of this part can be applied according to their nature.

How many loan contracts are there?

Loan contract and loan contract are generally in quadruplicate.

1. How many copies of the housing loan contract?

1. If you have obtained the real estate license, then four copies are enough, one for yourself, two for the bank and one for the Housing Authority (Housing Registration Center); You can get a loan when you are finished.

2. If the house is an auction house, in addition to the above four copies, the real estate developer also needs one. Housing mortgage loan, also known as mortgage loan, means that the bank provides the lender with most of the purchase price, and the buyers pay the principal and interest to the bank in installments with stable income, but before paying off the principal and interest, they mortgage the bank with their own purchase contract as collateral. If the buyer fails to pay the principal and interest on time, the bank can sell the house to offset the arrears.

Second, how much is the interest on the house loan?

1, and the benchmark interest rate for commercial loans with a current loan term of five years or more is 4.90%. Due to the influence of the purchase restriction policy, local banks have adjusted the interest rate of the first home loan to varying degrees. The latest data is 360. The national average interest rate of the first suite is 5.38%, and the interest rate generally rises by 5%-20%.

2. The interest rate of the second home loan generally rises 10%-30%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.

3. The second suite defines the number of mortgage loans for the borrower's family (including the borrower, spouse and minor children). If a family uses provident fund loans or commercial loans to buy a house, the mortgage application is regarded as a second suite.

3. What are the repayment methods of housing loans?

1. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method.

2. Matching principal and interest repayment method is to repay the same amount of loans (including principal and interest) every month during the repayment period, so that because the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income.

3. The repayment method of equal principal is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Therefore, due to the large initial principal and the large initial repayment amount, the subsequent time is decreasing every month. The advantage of this method is that the interest expense is reduced due to the large repayment amount at the beginning, which is more suitable for families with strong repayment ability.

4. Equal principal and interest repayment method is also called monthly repayment method. The repayment speed of the principal is slow, and the repayment pressure is light, at the cost of overpaying the total interest. Compared with the repayment method in average capital, the total interest difference is not obvious in the short and medium term (1-5 years), but only different in the long term (20-30 years). Whether equal principal repayment is equal principal repayment or not, the calculation method of interest in each period is the same, which is equal to the remaining principal multiplied by the monthly interest rate.