The normal loan process is to sign online first and then arrange face-to-face signing. However, in practice, in order to arrange the loan procedures in line with the time of both parties as soon as possible, the broker will ask the customer owner to sign in person in advance, but such face-to-face signing is an incomplete spare part. After the contract is signed online, both parties sign and submit it to the bank, and the bank can formally handle the loan procedures. Face-to-face signing without online signing contract is unsuccessful. So you don't have to worry, there is no risk.