A loan contract refers to a contract in which the parties agree that one party will transfer the ownership of a certain kind and quantity of currency to the other party, and the other party will return the similar kind and quantity of currency within a certain period of time.

Credit refers to the funds directly provided by commercial banks to customers of non-financial institutions, or the guarantee of compensation and payment liabilities that may occur to customers in related economic activities, including on-balance-sheet businesses such as loans, trade financing, bill financing, financial leasing, overdraft and various advances, as well as bill acceptance, letter of credit opening, letter of guarantee, standby letter of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee, sale of assets with recourse and non-use.

A loan contract refers to a contract in which the parties agree that one party will transfer the ownership of a certain kind and quantity of currency to the other party, and the other party will return the similar kind and quantity of currency within a certain period of time. Among them, the party providing the money is called the lender, and the party receiving the money is called the borrower.

Second, what if the bank loan contract is not given?

The two sides negotiated that the purchase contract and the bank loan contract must be given. The other party's failure to provide IOUs is based on the bank's loan, but the significance of this contract to the bank is far greater than that to the lender. Loan contracts are also useful for lenders, such as children going to school, getting provident fund and settling in some places.

First, the provident fund face-to-face signing process

1. The buyer and the seller need to bring relevant materials to the local bank to apply for a face-to-face loan.

2, the work situation, in addition, will confirm the payment method of buying a house. You need to go to the local provident fund management center first, apply for provident fund loans first, and then go through the formalities with the approved certification materials.

3. After that, the bank will sign a loan contract with the lender. After signing, you can sign in person.

Second, housing mortgage loan.

If the buyer accidentally loses the loan contract, it can be remedied. If the purchaser enters into a mortgage contract with the bank, it shall go through the mortgage registration, and the mortgage contract shall take effect from the date of registration. Once the house mortgage loan contract is lost, it will affect the mortgage registration and the loan will not succeed. If the property buyer accidentally remedies the loan in the following ways:

The developer or the Housing Authority should make a new copy.

(2) If the borrower loses the loan contract before the bank mortgage, then the borrower needs to declare the contract invalid, and can apply for a new one with relevant certificates after three months.

(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 information proof with the seal of the local house trading center.

3. What is the process of second-hand housing mortgage loan?

The process of second-hand housing mortgage loan is as follows: ① The lender prepares materials: ID card, household registration book, marriage certificate and income certificate to sign a loan contract. Three banks will review loans. (4) After the approval, the bank and the lender will go to the Housing Authority for mortgage registration with the title certificate.

The relevant legal basis of this article.

Article 3 The provisions of this Law shall apply to the people's courts in accepting civil lawsuits brought by citizens, legal persons, other organizations and among them because of property relations and personal relations.

3. What are the bank loan contracts?

(3) Pay attention to the performance mode after signing the contract.

In practice, there are more and more phenomena of early repayment, and whether to agree with the borrower's early repayment can be decided by the bank according to the specific situation of the loan. The loan contract should be filled in by the borrower, and the party providing the standard terms, namely the bank, should follow the principle of fairness to establish the rights and obligations of the parties, and take reasonable measures to draw the attention of the other party to the terms exempting or limiting their responsibilities, so as to protect the rights and interests of the guarantor more fairly and let the bank and the guarantor know the real purpose of the loan. According to the request of the other party, the bank will make a decision on it.

(2) The borrower needs to specify the purpose of the loan.

The purpose of the borrower's loan is related to the risk of the bank and whether it passes the audit. The borrower shall indicate the purpose of the loan in the contract and use the loan according to the purpose of the loan, and explain the terms. Therefore, the borrower can understand the contents and terms of the contract.

Bank contracts are generally standard contracts. According to the contract law, the contract must be signed in writing, and the following points should be paid attention to when signing a bank loan contract:

(1) The loan contract shall be filled in by the borrower.

According to the relevant provisions of the contract law, a loan contract is a true expression of the will of both parties. When both parties reach an agreement on the main contents and terms of the contract, the loan contract is established. It is a general principle for a loan bank to collect compensation from the borrower.

4. What are the contents of the bank loan contract?

The contents of the bank loan contract include the name and domicile of the bank and the borrower; The amount and currency of the loan; Borrowing time and interest; Time, method and place of repayment; And liability for breach of contract. According to Article 143 of the Civil Code, a civil juristic act that meets the following conditions is valid: (1) The actor has corresponding capacity for civil conduct; (2) the meaning is true; (three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs. The contents of a contract are agreed upon by the parties, and generally include the following terms: (1) the name and domicile of the parties; (2) Subject matter; (3) quantity; (4) quality; (5) Price or remuneration; (6) Time limit, place and method of performance; (7) Liability for breach of contract; (8) Methods for resolving disputes. The parties may conclude a contract by referring to the model texts of various contracts. Article 490 Where the parties conclude a contract in the form of a contract, the contract is formed when the parties sign, seal or fingerprint it. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it.