Legal analysis: important. The purchase loan contract is more important, because when the loan is paid off and the property mortgage is cancelled, it needs to be handled together with the loan contract and other materials. In case it is really lost, you can reissue it in the following ways: 1. Take your ID card to the loan bank, but the bank will reissue an original contract and affix the official seal of the bank. 2. If it was a provident fund loan at that time, you can take your ID card to the provident fund center to check the files.

Legal basis: Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Disputes over Commercial Housing Sales Contracts Article 19 The commercial housing sales contract stipulates that if the buyer fails to conclude a contract for secured loans for commercial housing due to one party, the other party may request to terminate the contract and compensate for the losses. If the commercial housing secured loan contract cannot be concluded due to reasons not attributable to both parties, and the commercial housing sales contract cannot be continued, the parties may request to terminate the contract, and the seller shall return the principal of the purchase price and its interest or deposit to the buyer.