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.

What should I pay attention to when signing a mortgage contract?

1. must be signed by the lender himself.

After the bank applies for loan approval, you need to sign the loan contract. The signature must be your own, and the guarantor of the lender also needs to sign in the bank. If you don't borrow by yourself, you need to sign with your lover or immediate family members, and you need to prepare according to the specific requirements of the bank, so as not to affect the legal effect of the signature, which is likely to affect the approval of your loan application. I suggest you pay attention to these.

Make clear the details of the contract before signing.

Don't be too anxious before signing, and you should know the contents of the contract carefully to avoid unnecessary influence on your loan application. In order to improve the success rate of loan application and ensure the smooth process of loan application, you need to pay attention to protecting your personal legitimate rights and interests in every detail, including ensuring that there is no problem with the contents of the loan contract before signing the contract.

3. Sign according to the specific requirements of the bank.

Many people usually have the habit of signing in cursive script, or use thousands of traditional Chinese characters. In this case, it is not allowed to apply for loan signing in the bank. You must sign in simplified block letters according to the specific requirements of the bank, otherwise the loan contract will be invalid. Never sign for personal beauty. You must ensure that the signature of the loan contract is neat and clear, so that it can have certain legal effect.

Legal basis:

Provisional regulations on the registration of real estate

Twenty-seventh rights holders and interested parties may inquire and copy the real estate registration information according to law, and the real estate registration agency shall provide it. 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.

Regulations on the administration of housing provident fund

Thirty-sixth workers and units have the right to inquire about the deposit and withdrawal of their housing provident fund, and the housing provident fund management center and the entrusted bank shall not refuse.