Buying a house by loan, that is, mortgage to buy a house, refers to the way of buying a house with the purchased house as collateral. Mortgage to buy a house's house purchase contract is in the bank. Because the mortgage purchase bank has to collect the original registered purchase contract as collateral, and then hand it over to the bank after the property right certificate is completed, the bank will return the original contract to the owner. Under normal circumstances, property buyers, loan banks, housing authority and developers should all have purchase contracts.

If the customer has not received the mortgage contract after three months of normal repayment, he can also take the initiative to contact the bank to request the mortgage contract to be issued as soon as possible. Generally, the contract is made in quadruplicate, one for the bank, one for the borrower himself, one for the record of the Housing Authority and one for the developer. If the mortgage contract is accidentally lost, the customer can go to the bank to check the file and reissue it.

First, the relationship between the rights and obligations of both parties in the loan relationship

1. When concluding a loan contract, the borrower shall provide true information on the business activities and financial status related to the loan as required by the lender.

2. Banks can inspect and supervise the use of loans according to the agreement. Property buyers should regularly provide relevant financial and accounting statements or other information to the bank as agreed.

3. If you buy a house with a loan, you must apply for mortgage registration of the loan property. Where real estate or other buildings are mortgaged, mortgage registration shall be handled. The mortgage is established at the time of registration.

4. If the bank fails to provide loans according to the agreed date and amount, causing losses to the property buyers, it shall compensate for the losses. Property buyers who fail to collect loans according to the agreed date and amount shall pay interest according to the agreed date and amount.

5. If the buyer fails to use the loan according to the agreed purpose, the bank may stop issuing the loan, recover the loan in advance or terminate the contract.

Second, the loan to buy a house to pay interest and repayment period

1. The buyer shall repay the loan within the agreed time limit. If the loan term is not agreed or clearly agreed, and it is still uncertain according to relevant laws and regulations, the buyer may return it at any time; Banks can urge buyers to return goods within a reasonable time.

2. Property buyers shall pay interest according to the agreed time limit. There is no agreement or unclear agreement on the time limit for paying interest, which cannot be determined according to relevant regulations. If the loan term is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.