To get back the bank mortgage, after the loan is successfully distributed, the borrower must get back the loan contract. Although generally there will be no problems, in the event of a dispute, the loan contract can be The borrower provides legal support. Therefore, after the loan is distributed, the user must retrieve the loan contract in time and keep it properly. Once the loan contract is lost, it is necessary to communicate with the lending institution immediately and apply for a new loan contract as soon as possible. This is very necessary for the user. . The above is the relevant content about whether I need to get the bank mortgage contract back. What should I do if I cannot provide proof of income when buying a house?

1. Buying a house with a mortgage loan: If there is no way to provide proof of income, you can also provide the borrower's bank self-deposit statements for a period of time as proof of the mortgage loan; < /p>

2. Banks often require users to provide proof of income in order to determine whether they have the ability to repay in full and on time. If the repayment ability is not strong enough, they will not be granted loans. This is also A way for banks to manipulate credit risks;

3. The income certificate usually referred to includes two levels. The first is the salary income certificate issued by the borrower's employer, and the second is the salary statement issued by the bank. Both are indispensable, otherwise you will not be able to get a loan. What procedures are required to terminate the mortgage contract?

1. The two parties can terminate the mortgage contract through negotiation and agreement;

2. When signing a written termination agreement, it is necessary to invalidate the contract. A clear commitment must be made on the time, contract name, contract number and the actual part to be terminated, etc., which will take effect after being signed by each other or three parties;

3. If one party is really in a different place due to personal reasons, such as If you are unable to sign a written contract termination agreement on the spot, you can present a written power of attorney to entrust someone else to handle it after seeking the permission of the other party. However, it should be noted that if conditions permit, try to find ways to verify the authenticity of the power of attorney, and stay vigilant to prevent Being deceived;

4. If both parties have negotiated firmly on matters such as regretting the contract and signing a written termination agreement, and have made an oral agreement, then in order to protect personal interests, appropriate methods need to be used, such as leaving audio recordings , faxes and other evidence to prevent future disputes and protect personal interests from being damaged.

This article mainly writes about the relevant knowledge points about whether it is necessary to get the bank mortgage contract back. The content is for reference only.