The loan contract number is the combination of letters and numbers in the upper right corner of the loan contract. The loan contract number is a digital number set by the bank to facilitate different users to manage and inquire about loans, which is directly printed on the home page of the loan contract. If the loan contract is not at hand, the loan principal can be inquired through the loan bank official website, mobile banking APP and bank branch counters.
What is the loan contract number?
The loan contract number is a long string of letters and numbers, usually in the upper right corner of the loan contract. Usually, the loan contract number is a digital number set by the bank for different users' loans in order to facilitate management and search. Generally speaking, it is printed directly on the front page of the loan contract. If the loan contract is not at hand, the loan principal can also use the loan bank official website, the mobile online banking APP software and the bank branch counter to inquire.
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 their 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.
What is the housing loan contract like?
Appearance of housing loan contract:
Page 1: front: loan contract name: a bank housing loan contract, the contract number is in the upper right corner; Reverse: Special reminder, mainly to ensure that the borrower is a natural person with full civil capacity and knows and agrees with the terms of the loan contract.
Page 2: Front: Article 1 Loan amount; Article 2 Term of loan; Article 3 the purpose of the loan; Article 4 Loan interest rate, in reverse: Article 5 Loan issuance and payment; Article 6 Loan repayment.
Page 3: Front: Article 6 Repayment; End: Article 7 Advance payment; Article 8 loan guarantee.
Page 4: Front: Article 8 Loan Guarantee; Reverse: Article 9 Party A's representations and warranties.
Page 5: Home Page: Article 10 Rights and obligations of Party A; Counterparty: Article 11 Party B's representations and warranties; Article 12 Rights and obligations of Party B ..
Page 6: Home Page: Article 13 Representations and Warranties of Party C; Article 14 Rights and obligations of Party C; Reverse: Article 15 Liability for breach of contract.
Page 7: Front: Article 15 Liability for breach of contract; Reverse: Article 16 Notarization; Article 17 Application of laws and settlement of disputes; Article 18 the entry into force and termination of synbiotics; Article 19 supplementary provisions.
Page 8: Front: Contents of supplementary provisions in Article 19; Tail: Article 20 Specific Agreement.
Page 9: Front: Specific agreed contents (precautions for advance payment, etc. ); Reverse: Signature, seal and date of the three parties.
Where is the loan contract number?
To apply for a loan in a bank, you need to sign a loan contract. The borrower needs to use the loan according to its purpose. Signing a loan contract can safeguard the borrower's right to use funds, and the lending institution can also monitor the flow of funds and control the loan risk. The loan contract can be found in the loan deposit, which is generally displayed on the upper right.
The loan contract is divided into three numbers:
1, first-class number, contract number is preceded by two capital letters, and capital letters represent the type of contract. For example, the letter in front of the loan contract is JK, the letter in the guarantee contract is TB, the letter in the mortgage contract is DY, and the letter in the supplementary agreement of the guarantee contract is TBBC. , are the first letters of the contract.
2. Secondary numbering, the contract is written by date, for example, the loan time is 20 19 1, then the loan contract number is 201901,which makes it easier to remember to number the contract.
3. The third grade number is generally the number of contracts issued on the same day. For the first contract, the number is 0 1, and for the 99th contract, the number is 99.
Numbers are usually connected by "-". If it is the guarantee contract handled on 20 1 9 65438+1October1,and it is the first contract, then the number is TB-20 190 1065438+.