Mortgage to buy a house's 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. Generally speaking, property buyers, loan banks, housing authority and developers should all have purchase contracts. Generally speaking, the loan contract is obtained at the loan bank. It usually takes some time to approve a loan. After the loan is approved, the bank will notify the applicant and then go to the loan bank to collect it.

What if the loan purchase contract is lost?

Under normal circumstances, the loss of the mortgage contract will not have any impact. If you need a contract, the bank has a copy, you can make a copy, you can bring a valid ID card to the handling bank, and let the bank give you a copy of the contract, which can also be used as proof. Add a seal that is consistent with the copy or report the loss. According to the Measures for the Administration of Urban Commercial Housing Sales, commercial housing pre-sale, development and operation enterprises should sign a commercial housing pre-sale contract with the purchaser, and the pre-seller should go through the registration formalities with the above two departments within 30 days from the date of signing the contract. If you have already registered the property rights, you naturally don't have to worry about the hidden dangers caused by the loss of contracts and receipts.

Purchase contract loan

To put it simply, the purchase contract is an agreement reached between the buyer and the seller on the sale of commercial housing. It is understood that the property that only needs the purchase contract cannot be mortgaged. This is because, for the real estate used for mortgage loan, the basic condition is to have two certificates, namely "People's Republic of China (PRC) State-owned Land Use Certificate" and "People's Republic of China (PRC) House Ownership Certificate". Because only the real estate with complete double certificates can go through the mortgage registration formalities, and the lending institution can obtain his right certificate before lending. Without these two certificates, it means that the lender does not own the full property rights of the house, and such a house cannot be mortgaged. In other words, if only the purchase contract is needed, it is impossible for the lending institution to accept the lender's mortgage application.

But if it is a mortgage loan to buy a house, you can apply to the bank for two mortgage without a real estate license. But for this kind of loan, banks that apply for housing mortgage loans have this thing. The applicant's mortgage loan has been repaid on time for more than two years, and the house can only be handled if it has a certain mortgage value.

To handle the secondary mortgage of residential houses, the following conditions must be met:

(1) The house used for the second mortgage shall be a large commercial and residential building, which is a shopping mall;

(2) Need to use the house in the secondary mortgage of his own house as an existing house;

(3) The house is a first-hand house purchased with mortgage loan from the loan bank;

(4) The house has been registered as mortgage, and the loan bank is the mortgagee of the house;

(five) the house has gone through the safety formalities, and the original letter of guarantee is kept by the loan bank;

(six) the housing location is superior, the transportation is convenient, the supporting equipment is complete, and the area is large.

laws and regulations

Interim measures for personal loans

Article 11 An individual loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.