What if I can't find a house loan contract?

Unable to find the housing loan contract, the following measures need to be taken:

1. Contact the bank as soon as possible: First of all, you need to contact the loan bank as soon as possible to explain that the contract cannot be found. The bank will check and verify the relevant information of the contract according to the customer's personal information and loan records;

2. Reissue the contract: If the bank can verify the customer's loan information, then the customer can apply to the bank to reissue the contract. The bank will decide whether to re-sign the contract according to the actual situation. If it is necessary to re-sign, the customer needs to provide relevant certification materials and pay relevant formalities fees;

3. Find a copy or backup: If the customer can't find the original contract, he can try to find a copy or backup of the contract. The copy or backup may be on the customer's own computer, cloud disk, mailbox or stored in other places, and can be found by trying various ways;

4. Seek legal aid: If you can't find a copy or backup of the contract, the customer can seek legal aid. Lawyers can help clients prove the existence and validity of loan contracts in legal proceedings and safeguard their legitimate rights and interests. Ways to deal with housing disputes can be divided into:

1. negotiated settlement: for some minor housing disputes, both parties can negotiate and solve them by telephone, email or face-to-face communication, and reach a satisfactory solution for both parties. If negotiation fails, you can ask a third party to coordinate, such as property management companies and community neighborhood committees.

2. Arbitration: If no settlement can be reached through negotiation, it can be settled through arbitration. Arbitration is a legal procedure, presided over by a professional arbitration institution, and disputes are resolved through hearings and investigations. Arbitration has the advantages of high efficiency and low cost, and it is a more suitable way for some small disputes.

3. Settlement through prosecution: If the dispute cannot be settled through negotiation or arbitration, you can choose to bring a lawsuit to the people's court through prosecution. In the course of litigation, both parties need to provide evidence, and the court will try and make a ruling according to relevant laws and regulations. However, the cost of prosecution is high and the time is long, which may not be cost-effective for some small disputes.

To sum up, for housing disputes, we should try our best to choose reasonable solutions to reduce unnecessary losses. If you are not sure which way to choose, you can consult a lawyer or professionals in relevant departments.

Legal basis:

Article 465 of the Civil Code of People's Republic of China (PRC)

Contracts established according to law are protected by law. A legally established contract is legally binding only on the parties, except as otherwise provided by law.

Article 502

A legally established contract shall come into force upon its establishment, except as otherwise provided by law or agreed by the parties. In accordance with the provisions of laws and administrative regulations, if the contract should go through the approval procedures, such provisions shall prevail. If the failure to go through the formalities such as approval affects the effectiveness of the contract, it will not affect the performance of the obligation clauses such as approval and the effectiveness of relevant clauses in the contract. If the party that should go through the formalities for approval fails to perform its obligations, the other party may require it to bear the responsibility for violating its obligations. The modification, assignment and dissolution of a contract shall be subject to the provisions of laws and administrative regulations, and the provisions of the preceding paragraph shall apply and shall be subject to approval. Civil violations, protect the legitimate rights and interests of the parties, educate citizens to consciously abide by the law, maintain social and economic order, and ensure the smooth progress of socialist construction.

"People's Republic of China (PRC) city real estate development and management regulations" fourth.

The State Council construction administrative department is responsible for the supervision and management of the national real estate development and business activities.

The real estate development departments of local people's governments at or above the county level shall be responsible for the supervision and management of real estate development and business activities within their respective administrative areas.

The departments responsible for land management of the people's governments at or above the county level shall be responsible for land management related to real estate development and operation in accordance with the provisions of relevant laws and administrative regulations.