1. Query the loan contract, and the combination of letters and numbers on the upper right of the first page of the house purchase loan contract is the loan contract;

2. Online inquiry: official website, the local housing authority, has relevant housing loan information. Enter the name of the property owner, the title certificate number and other information to inquire about the loan contract.

Loan contract is a form of economic contract. That is, the lender will deliver the money to the borrower for use, and the borrower will return a certain amount of money and interest to the lender on schedule in accordance with relevant regulations, and determine the rights and obligations between them. In order to ensure its own safety, the lender requires the borrower's financial status (especially its liquidity) to be at least as good as when signing the loan contract. The clauses listed in the loan contract to protect the interests of the lender are called protective contracts. The loan contract itself only means that the lender has the legal right to take action when the borrower violates the terms of the contract. Otherwise, the lender will be bound by its promised loan terms and will not take corrective measures before the contract expires.

Use:

The borrower shall use the loan for the agreed purpose and shall not use it for illegal purposes. The purpose of the loan agreed in the loan contract shall not violate the provisions of the state on restricting operation, franchising and prohibiting operation by laws and administrative regulations.

Clarifying this clause can protect the borrower's right to use funds; For lenders, it can monitor the flow of funds, ensure the return of funds and control risks.

Restrictions:

Reasons for restricting the use of the loan: First, if the borrower uses the loan for illegal purposes and violates the prohibitive norms of national laws and administrative regulations, the loan contract is invalid. Even if the lender is not aware of this illegal use when using the loan, once the lender knows this illegal use, it must stop the borrower from continuing to withdraw money. Secondly, restricting the use of loans is to ensure the source of repayment funds. If the loan is not used according to the agreed purpose, the borrower may lose the repayment ability due to improper operation. In addition, the internal operating policies of lending banks may have restrictions on the industries or departments that issue loans, and government regulations and decrees sometimes have similar provisions. Finally, restricting the use of loans may also be because it involves the interests of third parties. For example, in export credit projects, the use of loans is limited to specific payment targets.

How to query the electronic version of your house purchase contract on your mobile phone?

You can check in the contract filing verification center or log in to the local housing authority network for verification.

1. Buyers can verify relevant information at the contract filing and verification center given by the Real Estate Administration according to their ID number and contract record number. 2. You can also log on to the website of the local housing authority for verification: after the property buyers can log on to official website, there will be an obvious part of the address in official website, which is used by the extended family to inquire about the contract number information of the registered house purchase (the housing exhibition situation in each region is different). Then enter the housing contract record number verification network system, then look for the query function key, and finally join the verification login page. According to the data, the contract number is the number of the signed agreement, and the name, ID number and login password are probably the last 6 digits of the ID account number. Click Upload again, and you can find the information you need.

How to view the electronic version of Industrial Bank's house purchase loan contract

After buying a house, signing a house purchase contract and going through the formalities of online signing, you can inquire about relevant information. The general electronic purchase contract can be inquired through the website of the local Housing Authority.

Enter the website of the local housing management office, click the contract inquiry dialog box, and the local online filing system will appear. Enter the user name and password, that is, the first password of the buyer's ID number. You can consult the developer or change it yourself later.