What's the use of an ID card? What is the use of real estate license?

Second, the loan from China Agricultural Bank has been repaid for two months, but the loan contract has not been obtained. Is this normal? Are there any risks?

This question is not qualitative, but it is really strange. You must get the contract. It seems a little tricky to listen to your description. First of all, you can ask the bank to tell you the waybill number, check how it is signed online, and ask the bank to find the mail sent. Secondly, before retrieving the original contract, the bank needs to provide copies of the loan contract, mortgage contract and guarantee contract and affix the seal of China Agricultural Bank for retention.

If one day you can't get the contract, you will bite the people in the bank. The mail to be queried and retrieved must have only one piece of evidence. If he just doesn't give it, he will call ABC customer service every day to complain.

What is the use of a bank loan contract?

The function of mortgage loan contract is: (1) to determine the loan time, loan amount and loan interest; Determine the rights and obligations of both parties and the liability for breach of contract; (three) one party fails to perform its obligations, which can be used as important evidence. The legal basis is Article 30 of the General Principles of Loans: The lender shall issue the loan on schedule according to the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages. Article 32 The borrower shall repay the loan principal and interest in full and on time in accordance with the loan contract. The lender shall send a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and the medium-and long-term loan expires 1 month; The borrower shall prepare funds in time and repay the principal and interest on schedule. The Lender shall promptly issue the overdue loan collection notice and do a good job in the collection of overdue loan principal and interest. Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or cannot be executed, it shall be urged or executed according to law. The borrower shall negotiate with the lender when repaying the loan in advance.

4. What is the procedure of contract loan?

Procedures required for contract loans:

1. Borrower's valid ID card and household registration book;

2. If it is proof of marital status, you need to provide a civil mediation or divorce certificate (indicating that you have not remarried after divorce);

If you are married, you must provide the valid identity of your spouse.

4. The borrower's income certificate (local half-year salary certificate or tax payment certificate);

5. Real estate title certificate;

6, the guarantor (need to provide ID card, household registration book,

Loan contract is a form of economic contract. That is, the lender will deliver the money to the borrower for use, and the borrower will return a certain amount of money and interest to the lender on schedule in accordance with relevant regulations, and determine the rights and obligations between them. In order to ensure their own safety, the lender requires the borrower's financial status (especially its liquidity) to be at least as good as when signing the loan contract. The clauses listed in the loan contract to safeguard the interests of the lender are called). When the loan contract itself is only the terms of the contract, the lender has the legal authority to take action. Otherwise, the lender will be bound by its promised loan terms and will not take corrective measures before the contract expires.

Purpose: The borrower should follow the illegal purpose of the contract. The loan concession stipulated in the loan contract and the provisions of laws and banks. Clarifying this clause can protect the borrower's right to use funds; For lenders, it can supervise the withdrawal of funds and control risks.

Restriction: First of all, if the borrower uses the loan for illegal purposes and does not know the illegal purpose when using the loan in violation of national laws and administrative regulations, once the loan is made, the borrower must be prevented from continuing to withdraw money. Secondly, the purpose of restricting loans is to ensure the use of repayment funds, and borrowers may lose their repayment ability due to improper operation. Moreover, the internal operating policies of lending banks may have restrictions on the industries or departments that issue loans, and there are similar provisions. Finally, restricting the use of loans may be limited to specific payment pairs because it involves the use of third-party loans.

Legal basis:

Article 11 of the Interim Measures for the Administration of Personal Loans

Personal loan application should be

(a) 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;

(five) the borrower's credit status is good and recorded;

(6) Other conditions required by the lender.