China Construction Bank Housing Loan Contract

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.

Where can I download the housing loan contract of CCB?

CCB Housing Loan Contract Download CCB Housing Loan Contract in China Construction Bank official website. According to relevant data, the housing loan contract of CCB was issued by China Construction Bank, so the latest and correct contract contents can only be obtained through official website.

How to inquire the housing loan contract number of China Construction Bank?

I. Inquiring about the loan contract There will be detailed loan information, including the loan contract number, when handling the loan contract with the bank. You can find the loan contract of China Construction Bank at home.

2. Consultation in the service hall of CCB If you go to the service hall of CCB to consult the loan contract number, you must go in person and your ID card will be found.

Third, consult the customer service of CCB. If you don't want to go to the bank, you can also choose to call the customer service of CCB. If you call customer service, you need to provide your ID number and corresponding information.

Loan contract is a form of economic contract. That is, the lender will deliver the money to the borrower for use, and the borrower will return a certain amount of money and interest to the lender on schedule in accordance with relevant regulations, and determine the rights and obligations between them. In order to ensure their own safety, the lender requires the borrower's financial status (especially its liquidity) to be at least as good as when signing the loan contract. The clauses listed in the loan contract to protect the interests of the lender are called protective contracts. The loan contract itself only means that the lender has the legal right to take action when the borrower violates the terms of the contract. Otherwise, the lender will be bound by its promised loan terms and will not take corrective measures before the contract expires.

Use:

The borrower shall use the loan for the agreed purpose and shall not use it for illegal purposes. The purpose of the loan agreed in the loan contract shall not violate the provisions of the state on restricting operation, franchising and prohibiting operation by laws and administrative regulations.

Clarifying this clause can protect the borrower's right to use funds; For lenders, it can monitor the flow of funds, ensure the return of funds and control risks.

Restrictions:

Reasons for restricting the use of the loan: First, if the borrower uses the loan for illegal purposes and violates the prohibitive norms of national laws and administrative regulations, the loan contract is invalid. Even if the lender is not aware of this illegal use when using the loan, once the lender knows this illegal use, it must stop the borrower from continuing to withdraw money. Secondly, restricting the use of loans is to ensure the source of repayment funds. If the loan is not used according to the agreed purpose, the borrower may lose the repayment ability due to improper operation. In addition, the internal operating policies of lending banks may have restrictions on the industries or departments that issue loans, and government regulations and decrees sometimes have similar provisions. Finally, restricting the use of loans may also be because it involves the interests of third parties. For example, in export credit projects, the use of loans is limited to specific payment targets.

Did CCB give the mortgage contract to an individual?

Under normal circumstances, the housing loan contract is made in duplicate, one for the bank and one for myself.

If the bank doesn't give it after signing the contract, you can take the initiative to ask the bank for it. When it appeared, the housing loan contract was the best proof and the most effective tool to solve it. When signing a contract, we must carefully check the contents of the contract to fully protect personal rights and interests.

China Construction Bank Housing Loan Contract No.

The housing loan contract number of China Construction Bank is generally on the front page or cover of the contract. If the user does not have a loan contract, he can inquire through the bank counter at this time, but he needs to carry a valid personal identity document when inquiring. Only in this way can he inquire, and users can also inquire through the customer service hotline of China Construction Bank.

In addition to the above two ways, users can also use the mobile app of China Construction Bank to make inquiries, but users need to open mobile banking. When inquiring, we can only see the loan account number, that is, the house loan contract number we want to inquire about.

The loan contract number of China Construction Bank is 2 1 digit, beginning with HET in English and followed by1digit. The loan contract number is unique, so users don't need to remember it at ordinary times. When they need to use it, they can query it through various channels, which is less used in real life.

When applying for tax deduction, the housing loan contract number is generally used, and individuals will get more wages through deduction. In addition, the borrower needs to repay the loan on time after handling it. If it is overdue in the repayment process, it will have an impact on personal credit information, which is not conducive to later refinancing.

China Construction Bank Personal Housing Loan Agreement

Borrower (hereinafter referred to as Party A): _ _ _ _ _ _ _ _ _ _ _ _

Lender (hereinafter referred to as Party B): _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Party A applies for a loan from Party B, and Party B agrees to grant the loan according to _ _ _ _ _ _. In order to clarify their respective rights and obligations, Party A and Party B, through consultation, sign this contract for mutual compliance in accordance with relevant laws and regulations.

Article 1 Loan amount

Party A borrows RMB (in words) _ _ _ _ _ _ _ _ _ _ _ from Party B.

Article 2 Purpose of loan

Party A's loan will be used for _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

Article 3 Term of loan

The loan term of Party A starts from _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

Article 4 Loan interest rate and interest

The loan interest rate is calculated at _ _ _ _ _ _ _ _ _ _

The loan interest shall be calculated from the date when the loan is transferred to the account designated by Party A. In case of interest rate adjustment within the validity period of this contract, it shall be adjusted according to the regulations of the People's Bank of China.

Article 5 Payment Plan

Party A's installment plan is:

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

Article 6 Exit Method

Party A's loan is in the form of _ _ _ _ _ _ _ _ _ (direct withdrawal/special withdrawal) and credited to its deposit account opened in _ _ _ _ _ _ _ _ _ _.

Article 7 repayment method

The loan principal and interest under this Contract shall be repaid by _ _ _ _ _ _ (monthly repayment method/progressive repayment method).

Progressive repayment method _ _ _ _ _ _ _ _ (year by year/every _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Article 8 Repayment Plan

Party A shall repay the loan principal and interest on a monthly basis from the month following the withdrawal. The date of repayment of principal and interest is _ _ _ _ _ _ _ _ _.

Monthly repayment method is adopted to repay the loan principal and interest of _ _ _ _ _ _ _ _ _ yuan per month.

Using the progressive repayment method, Party A repays the loan principal and interest in installments as follows:

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Article 9 Loan repayment

Party A guarantees to repay the principal and interest of the loan according to the repayment plan specified in Article 8 of the Contract, and deposit the due amount into the deposit account opened by Party B before the repayment date of the principal and interest every month, and entrust Party B to withhold it on its behalf.

If Party A repays all the loan principal and interest in advance, it shall notify Party B _ _ _ working days before the repayment date, and obtain the consent of Party B. The loan interest charged by Party B will not be adjusted. For the loan principal returned by Party A for the last time, Party B shall charge interest according to the loan interest rate corresponding to its actual service life.

Article 10 Modification and rescission of the contract

After the Contract comes into effect, neither Party A nor Party B shall alter or dissolve the Contract without authorization. Any party who wants to change or terminate the contract shall notify the other parties concerned in writing one month in advance. Before reaching an agreement, the original contract is still valid.

Article 11 loan guarantee

For all loan debts under this contract, _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Article 12 Main Rights and Obligations of Party A and Party B

1. Party A has the right to require Party B to issue the loan as agreed in this contract;

2. Party A shall repay the loan principal and interest according to the repayment plan and repayment period agreed in this contract;

3. Party A must use the loan according to the agreed purpose, and shall not use the loan for other purposes;

4. Party A shall provide proof of its economic income on a regular basis according to the requirements of Party B;

5. Party B has the right to check the loan usage;

6. Party B shall issue the loan in time as stipulated in the contract.

Article 13 Liability for breach of contract

1. If Party A fails to use the loan according to the purpose agreed in this contract, Party B has the right to charge interest on the part that is used in violation of the contract at the rate of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _;

2. If Party A fails to repay all the loan principal and interest as agreed in this contract, or fails to pay off the loan in installments as agreed in this contract for more than two consecutive times, it is an overdue loan, and Party B has the right to charge interest on the overdue loan at the rate of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _;

3. During the validity period of this contract, if Party A is under any of the following circumstances, Party B has the right to stop issuing the loan that has not been issued, recover the loan principal and interest paid in advance or dispose of the collateral:

(1) Party A fails to use the loan according to the purpose agreed in this contract;

(2) Party A refuses or obstructs Party B from supervising and inspecting the loan usage;

(3) Party A provides false certification materials to Party B;

(4) Party A signs contracts and agreements with other legal persons or economic organizations that are detrimental to the rights and interests of Party B;

(5) There is a loan contract guaranteed or (and) mortgaged (pledged) by a third party, the guarantor violates the guarantee contract or loses the ability to undertake joint and several liabilities, or (and) the mortgagor (pledger) violates the mortgage contract (pledge contract), or the collateral (pledge) is not enough to pay off the principal and interest under this contract due to accidental damage, so Party A cannot implement a new guarantee or (and) a new mortgage.

(6) Party A has other behaviors that may affect its solvency or lack sincerity in paying debts.

4. If Party B fails to release the loan in time according to the provisions of this contract, causing losses to Party A, Party B shall pay _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Article 14 the dispute settlement method of this contract

During the performance of this contract, if there is any dispute between Party A and Party B, it can be settled through negotiation or directly with the people where Party B is located. During the negotiation and litigation, the clauses in this contract that are not involved in disputes shall still be performed by both parties.

Article 15 Other matters agreed by both parties.

Article 16 Matters not covered in this contract shall be implemented by both parties in accordance with relevant national laws, regulations and financial systems.

Article 17 This contract shall come into effect as of the date of signature and seal by both parties, and shall be terminated when the principal and interest of the loan under this contract are fully paid off.

Article 18 The original contract is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

Party A (seal): _ _ _ _ Party B (seal): _ _ _ _ _ _

Legal representative (signature): _ _ _ _ _ Legal representative (signature): _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

The introduction of the housing loan contract of CCB ends here.