Under normal circumstances, the loss of the mortgage contract will not have any impact. If you need a contract, you can bring your valid ID card to the handling bank and ask the bank to give you a copy of the contract, which can also be used as proof. To apply for provident fund loans, you can bring a valid ID card to the provident fund center to check the files, but many units are too troublesome to check. If you have, you can also go to the real estate mortgage department to check the files, but you need to pay a certain handling fee.
1. What is the function of the housing loan contract?
1. A bank loan contract is a proof that there is a loan relationship between an individual and a bank. Will agree on the time, interest rate calculation method and repayment arrangement of the house purchase loan. There are also some clauses such as liability for breach of contract. As long as the individual repays the loan on time, the bank will not make trouble and there are few opportunities to use the contract.
2. Generally, loan contracts are in triplicate or even quadruplicate, which are filed in the bank. Even if someone loses it, it doesn't matter The bank will supervise the repayment. Banks have many means to urge individuals to repay their loans on time. If all means fail, the bank will eventually sue the lender with the loan contract.
Two. What materials should be prepared for housing loan application materials?
Documents required for commercial loans:
1, ID card
2. Household registration book or household registration certificate
3. Marriage certificate (if you are not married, you can bring a single certificate)
4. Real estate license issued by the housing management department at the place where the house is purchased and where the household registration is located.
5. A copy of the income certificate or business license issued by the work unit shall be stamped with the official seal.
Provident fund loan processing flow:
1. Go through the guarantee formalities with the guarantee company and sign the mortgage contract.
2. Sign the bank receipt and entrusted deduction agreement with the entrusting bank.
3. The guarantee company handles the mortgage registration formalities for the lender.
4. Manage the entrusted bank to transfer the loan funds to the account of the selling unit.
5. The management shall review the application materials and sign a loan contract according to the loan approval form if it meets the requirements.
Description of provident fund loan:
1. The deposit condition of housing provident fund loan is to meet the loan conditions.
2. The borrower's loan period can be calculated to be 70 years old, not more than 30 years.
3. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans.
4. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and overdue payment), and be in the state of payment when applying for a loan. For units that have been approved by the examination and approval and are in a deferred payment state, their employees can apply for loans according to the loan purchase procedure on the premise that they have established a housing provident fund account for more than 12 months (inclusive) and paid the housing provident fund in full.
I hope the above content can help you. If in doubt, please consult a professional lawyer.
Legal basis:
Article 27 of the Provisional Regulations on the Registration of Real Estate
The obligee and interested party may inquire and copy the real estate registration materials according to law, and the real estate registration institution shall provide them. The relevant state organs may, in accordance with the provisions of laws and administrative regulations, inquire and copy the real estate registration materials related to the investigation and handling of matters.
Article 61 of the Urban Real Estate Management Law
Whoever obtains the land use right by allocation or allocation shall apply to the land administration department of the local people's government at or above the county level for registration, which shall be verified by the land administration department of the local people's government at or above the county level, and the land use right certificate shall be issued by the people's government at the same level.