Loan certificate, also called extension certificate, is a certificate that the bank directly transfers the loan granted to you to the seller (individual or developer, etc.). ) After the pre-loan procedures are completed. This voucher is usually made in quintuplicate, with the bank credit department-couplet and accounting bookkeeping department] in duplicate, and the seller enters one couplet, which is a receipt for you and one of your bank loan vouchers.

Housing loan, also known as housing mortgage loan and mortgage loan, is a legal document such as housing mortgage loan application form, ID card, income certificate, housing sales contract, letter of guarantee and so on, which is filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly allocates loan funds within the time limit stipulated in the contract.

Knowledge expansion:

What is the certificate of loan use?

According to the loan type, provide the corresponding loan use certificate.

1. business operation: the documents to be provided include the certificate of business residence, the contract for the renovation of business premises, the agreement for the purchase of business equipment, the contract for the purchase and sale of products, etc.

2. Purchase of equipment: If the loan is for the purchase of equipment, you need to provide the corresponding equipment quotation or purchase order.

3. Consumption: You need to provide relevant supporting documents, such as car purchase invoices and vouchers, purchase and sale contracts for commercial houses, and purchase vouchers for household appliances.

4. Decoration: If the loan is used for decoration, it is necessary to provide the decoration project budget issued by renovation contract and the decoration company, including material cost, labor cost and receipt.

5. Education: You need to provide admission notice, tuition receipt and other materials that can reflect the amount of tuition.

6. Wedding: wedding banquet contract, jewelry invoice, etc. Should provide.

7. Purchase: If the loan is used for purchase, you need to provide the corresponding order voucher.

8. Travel: there must be travel contracts, hotel consumption invoices, receipts, etc.

9. Others: related invoices, pos bills, etc. Should be provided.

What does the personal loan payment voucher mean?

Personal loan payment voucher is a bill settled by a bank in this city, and it is a bill entrusted by its own bank to pay the other party from its own account, so it is credited.

This is the opposite of a check. A check is a check from another company. You give it to the counter of your bank, fill out the bill and entrust your bank to collect money from the other bank's account. The bill is handed over to the bank by the payee.

What should I do if my personal housing loan certificate is lost?

The solution to the loss of personal housing loan voucher is as follows: Personal housing loan voucher is a unified special voucher used by banks to issue personal housing loans, and the date marked on it should be the date of bank lending. This money is the money of mortgage loan, and it has a loan relationship with the bank. I suggest to communicate with the bank again. \, if the personal housing loan certificate is lost and urgently needed, you can apply for the certificate. When applying, you can bring relevant information to the bank to copy the housing loan certificate and affix the bank seal to confirm. \\