The mortgage contract number refers to the loan contract number signed in the bank. The borrower needs to use the loan according to its purpose. The signing of the loan contract can safeguard the borrower's right to use funds, and the lending institution can also monitor the flow of funds and control the loan risk. The loan contract can be found on the loan deposit, which is generally displayed on the upper right. You can also contact the bank customer service or check the contract number at the counter. The loan contract is divided into three numbers:
First, the first-class number, the contract number is preceded by two capital letters, and the capital letters represent the type of contract. For example, the letter in front of the loan contract is JK, the letter in the guarantee contract is TB, the letter in the mortgage contract is DY, and the letter in the supplementary agreement of the guarantee contract is TBBC. This is the first letter of the contract.
Second, secondary numbering, write the contract by date, for example, the loan time is 20 19 1, then the loan contract number is 2019010/,which makes it easier to remember to number the contract.
Third, the third-level number is generally the number of contracts issued on the same day. For the first contract, the number is 0 1, and for the 99th contract, the number is 99.
Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.
Loan introduction:
The longest loan period is not more than 30 years, and the second-hand housing provident fund loan is not more than 15 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate shall change according to the loan term. The following is the latest loan interest rate table of 20 13 (the interest rates of banks have risen according to the housing situation).
How to query the loan contract number
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 business loan, take it with you. Applicants can bring their valid ID cards and other materials to the relevant stupid commercial loan banks. If the application is lost, the bank will have an original loan contract for the record, as long as it is 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. Applicants can also bring personal identity cards, real estate licenses and other related documents to the real estate mortgage department of the housing management center where the files are transported, 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 can I see the loan contract number of the house?
1. In 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, official website, the local housing authority, has included relevant housing loan information. Enter the name of the property owner, the title certificate number and other information to inquire about the loan contract number;
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.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
principle
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
Loan security is the primary problem faced by commercial banks;
Liquidity refers to the ability to recover the loan according to the predetermined time limit or realize it quickly without loss to meet the needs of customers to withdraw deposits at any time;
Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
Review risk
The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.
The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk.
Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
Where is the house loan contract number?
When signing a loan contract with a bank, we need to pay attention to many details, such as the number of the house loan contract. Then the problem is coming. Do you know where the house loan contract number is? How to inquire about the contract number of house purchase loan? Don't worry, if you are interested in this, you might as well come with me to learn about the contract number of the house loan.
Where is the house loan contract number?
The loan contract number is either on the cover or in the upper right corner of the loan contract cover. The loan contract number is divided into three levels:
1, first-class number: there are two letters before the contract number, representing the contract type, such as JK for the loan contract, TB for the guarantee contract, DY for the mortgage contract, TBBC for the supplementary agreement of the guarantee contract, etc. These are the initials of the contract Chinese phonetic alphabet.
2. Subnumber: generally written according to the date, for example, the lending time is 20 19 1, so the number is 201901kloc-0/,which is very easy for most people to remember.
3. Three-level number: usually the number of contracts issued on the same day. If it is the first contract, the number is 0 1, and if it is the 99th contract, the number is 99.
4. Numbers are mainly connected by "-". For example: 20 1 9 65438+1October1handled a guarantee contract, and it is the first contract, then the number is TB-201901kloc-0/,and so on.
How to inquire about the contract number of house purchase loan?
Online inquiry: click on the link of provinces and cities, enter the local housing management network for inquiry, and enter the relevant name and title certificate number. Real estate bureau inquiry: If you want to inquire about the accurate information of personal real estate license, including the owner's name, registration date, building area, whether the house is mortgaged or not, you must bring your personal identity certificate and real estate license to the window of the Housing Authority for inquiry.
Editor's summary: after reading the above introduction, I believe everyone has a further understanding of where the housing loan contract number is. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.