If the House Purchase Loan Contract is lost, the replacement method is as follows:
1, copy the contract. Under normal circumstances, there will be multiple housing loan contracts. The loan bank, developer and housing authority will all have the original contract, as long as the applicant brings his ID card to the loan bank or developer and housing authority to make a copy.
2. Check the file to reissue it. If you lose the house loan contract, you can also go to the real estate mortgage department to check the file to reissue it. If you apply for a housing provident fund loan, you can also go to the housing provident fund management center to check the files and reissue them;
3. Re-sign the contract. If the applicant has lost the loan contract before handling the bank mortgage, he can first declare the contract invalid to all parties, and then apply for canceling the signed contract and signing a new contract with relevant certificates three months later.
The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.
What should I pay attention to when signing a contract?
1, find out the parties in the contract. In the process of buying and selling new houses, the signing of the contract involves two parties: one is the buyer and the other is the developer. Property buyers, that is, the "buyer" in the purchase contract, will become the person recorded in the real estate license; Need to pay the house price; Once the contract is violated, it shall be liable for breach of contract.
2. Verify the housing situation: when looking at the house, we should start from the following aspects: housing construction, housing community and housing rights. The verification of these situations will help you control the actual cost and risk of the transaction; Liability for breach of contract.
3. Clear transaction procedures: Second-hand housing transactions can be divided into several steps: house inspection, contract signing, down payment according to the contract, transfer, delivery and balance payment. These steps need attention: keep the transaction evidence, the owner of the real estate license can only transfer the ownership in the presence, and check whether the other party has paid the property fee, water, electricity and gas fee when handing over the house; This is what should be paid attention to in signing the purchase contract. If you don't know anything about the transaction process, you will be in trouble when you transfer the ownership in the future, and you may also bring yourself losses.
To sum up, it is Bian Xiao's relevant answer on how to make up for the lost housing loan contract, hoping to help you.
Legal basis:
Article 667 of the Civil Code of People's Republic of China (PRC)
A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 674
The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period 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.