How to check the contract number of mortgage loan?

Enquiries can be made at the corresponding loan bank in official website. Taking ICBC as an example, the method for querying the loan contract number is as follows:

1. First, enter ICBC on Baidu of the computer, find its official website and click enter, as shown in the figure below, and then enter the next step.

2. Secondly, after entering the bank official website, click the personal online banking login button to enter, as shown in the figure below, and then enter the next step.

3. Then enter the repayment account number and password of the loan in the login interface that appears, and then click Login, as shown in the figure below, and then enter the next step.

4. After the page jumps, log in to the online banking background, click the "Loan" button above, as shown in the following figure, and then go to the next step.

5. Then click on my loan to enter the displayed page, as shown in the figure below, and then enter the next step.

6. Then after the page jumps, you can check the previous loan situation, click the details button to enter, as shown in the figure below, and then enter the next step.

7. Finally, in the loan details interface, you can see the contract number of the loan. ：

1. Generally, the number of the loan contract will be on the cover of the contract, which usually consists of letters and numbers. However, it should be noted that the regulations of each bank are different, and the loan contract number is not necessarily the number of a paper contract. For example, ICBC and Agricultural Bank of China have explained in the official WeChat account that the paper contract number of personal mortgage is not necessarily the loan contract number.

2. If you want to know what your loan contract code is, we can also take the original ID card to the bank counter of the loan to consult the staff. Or we can call the customer service phone of the loan bank and inquire through voice prompts. Some banks will tell customers the loan contract code by sending short messages after they apply for personal housing loans. We can check whether the SMS receives the SMS type.

In addition, we can also check online. For example, we can download the APP of the loan bank, such as the APP of China Bank. After logging in, click My at the bottom of the page, click Liabilities on the page, choose personal housing loan in the loan, click three points on the right in the loan details, and click View Contract on more pages. If it is a provident fund loan, you can log on to the local provident fund website and click on the loan information query on our account information page to see the loan contract number and other information.

Housing loan.

Housing loan refers to the loan business in which the buyer applies for a loan from the bank to pay the purchase price with the building traded as collateral, and then the buyer pays the principal and interest to the bank in installments. Also known as mortgage loan. The process of buying a house by loan is: preparation before house inspection-field house inspection-lottery, house selection-subscription, down payment-online signing, contract signing, down payment-loan-house inspection-tax payment-house book. These processes will be described in detail below.

The specific process of buying a house with a loan

(1) Before preparing to look at the house, you must first determine the type of real estate you want to buy, and then allocate funds reasonably according to the type of house you want to buy.

(2) See the house on the spot to understand the specific situation of the whole building. If you buy an existing house, you can intuitively see the structure and apartment type of the house, and you can also ask the property consultant about the surrounding facilities and planning and construction. If it is an auction house, you can only look at the floor plan to understand the structure of the house. As the surrounding facilities are still under planning, property buyers can check the surrounding planning documents.

(3) house number arrangement and house selection. For some centrally opened properties, developers will require buyers to number the houses, and then choose houses according to certain rules when the real opening day comes. When choosing a house, buyers can make a backup plan in advance, mainly from the following six aspects, including location, price, surrounding municipal planning, environmental support, housing structure and orientation, and property management.

(4) Subscription and deposit Before choosing the house to be subscribed, the buyer needs to prepare the materials for the qualification review of the house purchase in advance, sign the subscription book and hand it over to the staff of the developer. At the same time, a part of the deposit will be paid at the time of subscription. The deposit has a receipt (UnionPay receipt), and the amount paid by the deposit does not exceed 20% of the total house price specified in the contract.

⑤ After the online signing, signing and down payment are submitted to the house purchasing qualification review, the review results will be issued within 10 working days. If approved, the developer will inform the buyers to sign the purchase contract. (Xianfang: Xianfang sales contract; When signing a house purchase contract, we should pay attention to whether there are blank clauses in the contract, whether the rights and obligations in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clearly written, and whether the delivery date and delivery standard are clear. Pay the down payment. Generally, there will be a pos machine in the sales office. The UnionPay receipt paid by credit card should be kept away, waiting for the developer to issue the down payment invoice. Usually you can get it on the same day.

⑥ Loan If a bank staff is stationed in the sales office, the buyer can hand over the prepared materials to the bank. The lending time is related to the processing speed of banks and the capping of buildings. Take Beijing as an example. In the case of auction, after the loan time of commercial loans and municipal provident fund loans is capped, the mortgage time of state-managed provident fund loans has nothing to do with capping or not.

⑦ Buyers need to wait for the developer's notice to close the house, and pay attention to the closing time. When inspecting the house, you should carefully check every detail of the house, or you can find a professional to inspect the house. Look up "three certificates, two books and one table" If the developer can't produce these documents, he can refuse to accept the house.

After paying taxes and collecting the house, you need to go to the local taxation bureau to pay taxes. Generally speaking, commercial housing needs to pay deed tax and residential special maintenance fund, and then pay property fees, heating fees, parking spaces and other fees.

Pet-name ruby for housing loans to buy a house, property buyers just need to hand over the preparation materials to the developer. Under normal circumstances, the housing will be released within 180 days (existing house) -270 days (forward house) from the date of occupancy.