1, query on the loan contract, the combination of a string of letters and numbers in the upper right corner of the first page of the house purchase loan contract is the loan contract number;
2. Online inquiry shows that official website, the local housing authority, has included relevant housing loan information, and the loan contract number can be found by inputting the name of the property owner, the title certificate number and other information;
3. Inquire at the loan bank and directly bring your ID card, real estate license, etc. Go to the counter of the bank where the mortgage is located to find the loan contract number.
I. What should I do if the housing loan contract is lost?
1. Go to the loan bank and ask for a copy. If the house is a personal commercial loan, the applicant can bring his valid ID card and other materials to the relevant commercial loan bank. If the application is lost, the bank will have an original loan contract as a copy.
2. If the housing provident fund loan is selected when going to the provident fund center to check the files, the borrower can bring his valid ID card and other materials to the local provident fund center to check the files after the lending contract is lost.
3. Go to the housing management center to check the files. Borrowers can also bring personal identity cards, real estate licenses and other related documents to the real estate mortgage department of the local housing management center to check the files, but they need to pay a certain handling fee.
Method for checking loan contract number:
1. Inquire through bank official website, log in to personal online banking, and find the loan details for inquiry.
2. Inquiring about the loan contract number through the lending institution generally requires providing a personal ID card.
3. Inquire about the contract number through the loan contract, generally on the top right of the cover of the loan contract, or the first few pages.
Second, banks have their own numbers in all their businesses. Just like bank cards and credit cards have their own, even if you handle business, you need to get a number plate to apply for business. Enter the query login interface and enter the number of the signed contract. If the online signing information has been found on the website of the Housing Authority, it can be said that the online signing has been successfully filed. The online sign filing data information comes from the Housing Authority, which is usually consistent with the information update of the Housing Authority. If you have the phone number of the mortgage account manager, contact the former account manager directly and ask him to check the contract number for you. If there is a loan contract in hand, the combination of letters and numbers in the upper right corner of the first page of the house purchase loan contract is the loan contract number. Bank inquiry users can inquire loan details and loan contract numbers by logging in to official website, the loan bank. In addition, you can also call the customer service hotline of the loan bank or inquire at the counter of the business outlet. Generally speaking, the housing loan contract number still has some functions. Provident fund mortgage loan, the loan contract number is only available after the loan. In the bank housing loan contract, in order to better identify the transaction items and file management, each loan usually corresponds to the contract number and is found on the first two pages or cover of the loan contract.
Third, the loan contract number is generally written in the upper right corner of the contract, and you can view your own loan contract. If the user does not have a loan contract, he can go to the loan bank to inquire or call for consultation, or he can inquire through the bank mobile app. The loan contract number is generally used when applying for tax deduction. The loan handled by the user in the bank must be returned on time.
Where is the loan contract of the portfolio lender?
Where did you get the loan? The loan contract of the portfolio lender is there. Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.
1. How many contracts have been signed for portfolio loans?
The number of housing contracts for portfolio loans depends on the loan bank selected. Generally, banks will divide provident fund loans and commercial loans into two parts and sign this contract respectively, that is, the bank, the provident fund management center and myself. However, some banks will sign all provident fund loans and commercial loans in one contract.
Second, the portfolio loan interview process portfolio loan bank interview
1. application
The borrower applies for housing provident fund loan to the real estate credit department of the undertaking bank with the purchase contract, ID card, housing provident fund savings magnetic card and other materials, and fills in the Application Form for Individual Housing Provident Fund Loan (Combined Loan).
2. Bank audit
According to the information provided by the borrower, the loan bank examines whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term. If the borrower's information is true and meets the requirements, proceed to the next step; If it does not meet or lacks information, the borrower needs to make up the application.
Step 3 sign a contract
After the bank undertaking the loan examines the borrower's application, the borrower signs a loan contract and a mortgage contract (pledge contract) with the bank.
Step 4 get a guarantee
There are two ways to guarantee housing provident fund loans (portfolio loans), and borrowers can choose either one according to their actual situation.
Step 5 apply for a mortgage loan
After the borrower has gone through the mortgage or pledge formalities in the house property right department, he shall submit the loan information together with the loan contract, mortgage contract (pledge contract), house ownership certificate and mortgage certificate to the loan bank for home insurance formalities.
Step 6 sign an agreement
If repayment is made by withholding savings card, the borrower shall apply for withholding repayment savings card at the savings outlets of the undertaking bank and sign a withholding agreement with the lending bank. Where the entrusting unit withholds repayment, the entrusting unit shall sign an agreement with the loan bank.
Step 7 lend a loan
After completing the above steps, the borrower needs to bring all relevant information to the bank for collection procedures, and the undertaking bank will transfer the loan to its designated bank account.
Three. Information needed for portfolio loan
1. Loan Application Form
2. ID card and 3 copies of ID card.
3. Original and photocopy of the household registration book (home page and personal page are required for collective accounts)
4. Original and photocopy of the whole house sales contract (2 copies)
5. Application for registration of ownership transfer (provided by the developer)
6 copies of advance payment receipt (2 copies)
7. Private seal (one for married couples)
8. Personal wage income certificate (format paper provided by the developer, confirmed and sealed by the company)
9. Contact Sheet of Portfolio Loan and Copy of Contact Sheet (1 copy)
10. Commercial loan contract
How many commercial loan contracts are there?
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).
I didn't get a loan from the bank. Why did I sign a commercial loan contract on the house purchase contract?
If you don't go to the bank for a loan, but you still need to sign a commercial loan contract, it may be because the homeowner wants to repay the loan in the form of mortgage. This means that when you buy a house, you will pay a certain amount of collateral to the owner, and then pay in installments for a period of time until the collateral and other expenses are returned to the owner.
Is the commercial loan contract for house purchase kept in the bank?
The commercial loan contract for house purchase is kept in the bank. Generally speaking, the commercial loan contract for house purchase is in quadruplicate, one for the loan bank, one for the Housing Authority, one for the developer and one for the borrower. If users find that they don't have a loan contract, they can go to the loan bank to apply for a replacement.
Generally, the commercial loan contract for house purchase can be collected in about 0-3 days after the bank approves the funds 1. The general bank staff will call the borrower and remember to ask the bank for the loan contract in time without the borrower's knowledge.
What is the latest housing loan contract?
Appearance of housing loan contract:
Page 1: front: loan contract name: a bank housing loan contract, the contract number is in the upper right corner; Reverse: Special reminder, mainly to ensure that the borrower is a natural person with full civil capacity and knows and agrees with the terms of the loan contract.
Page 2: Front: Article 1 Loan amount; Article 2 Term of loan; Article 3 the purpose of the loan; Article 4 Loan interest rate, in reverse: Article 5 Loan issuance and payment; Article 6 Loan repayment.
Page 3: Front: Article 6 Repayment; End: Article 7 Advance payment; Article 8 loan guarantee.
Page 4: Front: Article 8 Loan Guarantee; Reverse: Article 9 Party A's representations and warranties.
Page 5: Home Page: Article 10 Rights and obligations of Party A; Counterparty: Article 11 Party B's representations and warranties; Article 12 Rights and obligations of Party B ..
Page 6: Home Page: Article 13 Representations and Warranties of Party C; Article 14 Rights and obligations of Party C; Reverse: Article 15 Liability for breach of contract.
Page 7: Front: Article 15 Liability for breach of contract; Reverse: Article 16 Notarization; Article 17 Application and settlement of laws; Article 18 the entry into force and termination of synbiotics; Article 19 supplementary provisions.
Page 8: Front: Contents of supplementary provisions in Article 19; Tail: Article 20 Specific Agreement.
Page 9: Front: Specific agreed contents (precautions for advance payment, etc. ); Reverse: Signature, seal and date of the three parties.
The introduction of commercial loan contract for house purchase ends here.