If you don't get the original purchase contract, ask the developer to get it, or go to the Housing Authority to adjust the files, and that's all.
After the mortgage loan is settled, pay attention to the release and settlement.
Normal settlement: repayment of the last loan (divided into one-time repayment of principal and interest and installment repayment);
Early settlement: before the loan expires, if it is necessary to repay in advance, it is necessary to apply to the bank within the time limit agreed in the contract.
Release mortgage
The borrower holds his valid identity certificate and the loan settlement certificate issued by the bank to retrieve the legal certificate and related documents kept by the bank;
The borrower shall go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
Extended data:
Four types of real estate can not apply for mortgage loans.
1. The property with outstanding loans mortgaged by consumer loans must be the property without any mortgage or loan. If the property is mortgaged or the property is in a mortgaged state, the bank already owns other rights of the property, and the borrower mortgages the property again, the bank is not allowed.
Because two banks can't own other rights of a property at the same time, borrowers can't apply for loans from banks with mortgage consumption.
Second, there are two situations. Some purchased public houses cannot be mortgaged for consumer loans. One is the purchased public houses that can't provide the purchase contract or purchase agreement, because if there is a clause in the purchase contract that the original unit has the preemptive right, the bank can't obtain his rights, so the bank can't operate the mortgage consumption loan of this property.
The other is the delivery that can't provide the listing certificate of the delivery in the purchased public housing, because this kind of real estate can't be listed and traded, so it can't run business.
Three, less than five years of affordable housing relocation is one of the government's affordable housing, generally according to the management of affordable housing, or the nature of its housing belongs to affordable housing. According to the national policy, affordable housing with less than five years is not allowed to be listed and traded, nor can it apply for mortgage consumer loans.
Fourth, small property houses without real estate licenses For small property houses, if the residents have not obtained the real estate license, they only have the right to use the property without ownership, and they have not obtained the ownership certificate of the property. Therefore, this kind of real estate can not be listed and traded, can not be mortgaged to the Construction Committee, and can not apply for mortgage consumer loans.
Housing mortgage _ Baidu Encyclopedia