Commercial loan contracts are generally in quadruplicate, one for individual customers, one for the handling bank, one for the real estate developer and one for the Housing Authority.
Customers need to use this as proof of house purchase and loan relationship with banks, real estate developers need to use this as proof of title certificate, banks need to use this as proof of loan relationship with customers, and housing mortgage registration of Housing Authority also needs to be filed (generally it can be obtained within 10 to 20 days after signing the contract).
How many housing loan contracts are there?
The loan purchase contract is made in quadruplicate, one for the buyer, one for the developer, one for the bank and one for the Housing Authority. The purchase contract is an agreement reached between the buyer and the real estate development enterprise on the basis of equality, voluntariness and consensus according to the General Principles of Civil Law of People's Republic of China (PRC), Urban Real Estate Management Law of People's Republic of China (PRC) and other relevant laws and regulations. Legal basis: Article 45 of the Measures for the Administration of Real Estate in People's Republic of China (PRC) shall meet the following conditions: (1) All land use right transfer fees have been paid and land use right certificates have been obtained; (2) Holding a construction project planning permit; (three) according to the pre-sale of commercial housing, the investment in development and construction has reached more than 25% of the total investment in engineering construction, and the construction progress and completion delivery date have been determined; (four) to the real estate management department of the people's government at or above the county level for pre-sale registration, and obtain the pre-sale permit certificate of commercial housing. The pre-sale of commercial housing shall, in accordance with the relevant provisions of the state, report the pre-sale contract to the real estate management department and land management department of the people's government at or above the county level for registration. The proceeds from the pre-sale of commercial housing must be used for related projects.
How many loan contracts are there?
The number of loan contracts usually depends on the stakeholders involved.
As long as the stakeholders, such as borrowers, lenders, mortgagors, pledgees, guarantors, etc. , a copy should be kept. The number of copies of a loan contract shall be determined according to the number of parties to the contract. In principle, both parties to the contract need one.
Article 465 of the Civil Code stipulates that contracts established according to law are protected by law. A legally established contract is legally binding only on the parties, except as otherwise provided by law.
legal ground
Article 465 of the Civil Code of People's Republic of China (PRC) * * * A contract established according to law shall be protected by law. A legally established contract is legally binding only on the parties, except as otherwise provided by law.
How many bank loan contracts are there?
There are generally three kinds of bank loan contracts. For example, if we buy a house, we will sign three contracts, one for the borrower, one for the loan bank and one for the guarantor. When handling a loan, the borrower can directly inquire about the number of loan contracts, but the number of contracts signed by different loan types may be different.
The borrower must be at least 18 years old and have full capacity for civil conduct when handling the loan in the bank. The borrower needs to submit the bank flow in the last six months, as well as the work certificate, and finally the personal credit information is good. The above points are the basic conditions for handling all kinds of loans.
When handling a loan, users should consult the bank in advance to find out the conditions and interest rate of the loan, and then choose the one that suits them best. Generally, the loan interest rate is low, so that the interest can be paid less after the loan, which is beneficial to the borrower's subsequent repayment.
Different types of loans, banks give different repayment methods. Common repayment methods include average capital, matching principal and interest, one-time repayment of principal and interest, interest before principal, etc. When handling a loan, the bank will give the repayment method according to the loan type, and the borrower can choose one according to his own income.