1. A bank loan contract is a proof that there is a loan relationship between an individual and a bank. Will agree on the time, interest rate calculation method and repayment arrangement of the house purchase loan. There are also some clauses such as liability for breach of contract. As long as the individual repays the loan on time, the bank will not make trouble and there are few opportunities to use the contract. 2. Generally, loan contracts are in triplicate or even quadruplicate, which are filed in the bank. Even if someone loses it, it doesn't matter The bank will supervise the repayment. Banks have many means to urge individuals to repay on time. If all means fail, the bank will take the loan contract to lend money.

Is the housing loan contract important? What should I do if I accidentally lose it?

In life, we often use contracts to stipulate the obligations and rights of both parties. So in our cognition, the contract is very important. Especially in the purchase loan contract, it is directly linked to your wallet. But people are inevitably careless. Is the loan contract important? What should I do if I accidentally lose it?

The purchase loan contract is more important, because when you pay off the loan and go through the mortgage cancellation procedures, you need to take the loan contract and other materials with you. If you really lose it, don't worry. There are three ways to republish it:

1. Take your ID card to the loan bank, but the bank will give you another original contract and stamp it with the official seal of the bank.

2. If you are handling provident fund loans at that time, you can take your ID card to the provident fund center to check the files.

3. If the above two methods fail, you can also go to the real estate mortgage department to check the files, which may require a certain handling fee, generally not much.

As can be seen from the above three points, there are remedial measures for the loss of the loan contract, but the process is more troublesome. Some units will also find it troublesome to check files. When some banks reissue contracts, buyers and sellers may be required to be present and bring relevant certification materials. Therefore, we should try our best to form the habit of preserving important items in our lives and avoid unnecessary troubles.

I'm here to introduce how to deal with the loss of the housing loan contract, hoping to give you relevant reference and help. If you need money urgently, you can click, operate in three steps and pay in three minutes!

What is the use of housing loan contract?

At present, few people will choose to buy a house in full, and most of them choose to buy a house by loan, so it is natural to sign relevant contracts with banks. What is the use of housing loan contract? Many car owners will have such questions, so let's take a look at it through the following content!

First, the contract can stipulate the size of the loan amount, the longest repayment period and the bank interest rate; Secondly, stipulate the content of breach of contract so as to determine the responsible party in the future; In addition, it can also be used as a voucher, which can be used by the bank when the lender fails to perform its obligations according to the contract.

There are two repayment methods for housing loans, namely average principal and equal principal and interest. Among them, the average capital, that is, the house price is divided equally within the loan period, and the monthly payment and the interest on the remaining house price are divided equally. This model is quite stressful in the early stage and gradually reduces in the later stage, which is more suitable for high-income borrowers. Equal principal and interest, that is, the same monthly payment, is relatively fixed and suitable for wage earners, but the total interest generated will be much higher than the former, and the pressure will be relatively small.

The loan interest rate is not only fixed, but also floating. Banks often choose the latter when signing loan contracts, and interest rates often change with the benchmark of the central bank. However, under normal circumstances, the interest rate range is unchanged, but the regulations issued by various banks are different and will be slightly adjusted. Therefore, when we apply for a loan, we'd better understand it first and then handle it.

Mortgage repayment is mostly entrusted deduction, that is, the bank that handles the loan will give the applicant the account of the bank, and the monthly repayment amount only needs to be credited to the account before the repayment date, and the bank will deduct the money on the same day. Therefore, when handling the loan, the owner had better check the repayment date to ensure that there will be no delay in repayment, thus causing unnecessary trouble. Of course, the date of repayment, it is best to choose a time with sufficient funds to ensure timely repayment.

I hope the above answers are helpful to you.