What should I do if I find that there is no bank mortgage loan contract when I close the house?

When you apply for a loan, you definitely need to sign a loan contract. Generally, you sign it, then get it signed and sealed by the Agricultural Bank of China, and then go through the loan formalities. I need to give you a copy of the contract after completing the formalities. Since you didn't get it, there are two possibilities. First, due to the negligence of the bank staff, you didn't give a copy to the guarantee company after completing the formalities. The second is that the bank gave it to the guarantee company, and the guarantee company didn't remember to give it to you.

I suggest you do this: since you are going through the formalities in the guarantee company, you should ask someone from the guarantee company first. If the guarantee company doesn't, let them go to the Agricultural Bank. Since you have gone through the formalities in the guarantee company and received your money, of course I will do things for you. As long as you haven't got the contract, you can get it now.

If you really can't find it, you can take a copy of the contract and let the guarantee company go to the Agricultural Bank to confirm the authenticity. General developers will also recognize it, so it will not affect your foreclosure.