If the property buyer accidentally loses the loan contract, it can be remedied in the following ways:
1. The borrower can go to the developer or the housing authority to make a new copy.
2. If the borrower loses the loan contract before the bank mortgage, it is necessary for the borrower to declare the contract invalid. Three months later, he will apply for cancellation of the signed contract with relevant certificates, and then sign a new contract with the developer.
3. If the application for a loan to buy a house is a provident fund loan and there is no original house purchase contract, the borrower can also provide the information proof with the seal of the local house trading center.
Holders of housing loan contracts: loan issuing banks, notary offices, real estate departments that handle mortgage procedures, and provident fund centers where provident funds handle loans.
Supplementary information: What details should be paid attention to in the housing loan contract?
When signing a housing loan contract, the loan interest rate and discount are the most concerned issues for buyers.
The loan interest rate in the housing loan contract is divided into fixed interest rate and floating interest rate. Under normal circumstances, banks will choose floating interest rates, that is, the bank's loan interest rate will be adjusted according to the annual adjustment of the central bank's benchmark interest rate. It should be noted that if the loan contract stipulates that the interest rate will not be adjusted during the loan period and the fixed interest rate is adopted, under normal circumstances, the parties will sign a supplementary agreement on fixed interest rate. Due to the different regulations of various banks, some banks reserved their own adjustment authority and did not clearly stipulate the preferential interest rate period in the mortgage contract. Everyone should consult the bank clearly when signing the mortgage contract.
Choice of two repayment methods: "average capital" and "matching principal and interest".
When signing a house purchase contract, you need to choose your own repayment method. Under normal circumstances, there are two ways to repay, "equal principal and interest" and "equal principal and interest".
Average capital divides the total loan into equal parts during the repayment period, and repays the same amount of principal and the interest generated by the remaining loans in that month every month. In this way, because the monthly repayment amount is fixed, the interest paid is less and less, and the pressure of repayment is greater at first, but as time goes by, the monthly repayment amount is less and less. Matching principal and interest means paying the same amount of loans (including principal and interest) every month during the repayment period. Generally speaking, equal principal and interest means "the sum of principal and interest repaid every month remains unchanged", but the ratio of principal and interest is changing.
Pay attention to the repayment date and penalty interest.
In addition to choosing the appropriate repayment method, when signing the housing loan contract, the bank lender will negotiate the monthly repayment time with the buyers. In terms of repayment method, entrusted deduction is widely used now, that is, the purchaser opens a bank account in the bank applying for mortgage, and the purchaser needs to deposit the mortgage to be repaid on the card at the latest one day before the repayment date, and the bank will automatically deduct the money when it expires. In terms of repayment date, buyers must consult the bank clearly. If the balance on the bank card used by the lender to repay the loan is insufficient, will the bank send a message a few days in advance to remind you? If the bank doesn't send a message to remind you, it is very important when the bank starts to calculate the overdue penalty interest.