Sign online first and then apply for a loan.
After the online signing, the loan usually needs to wait for a while.
The situation of each bank is different, and it usually takes 2-6 months to get a loan.
Before you apply for a loan, you must pay attention to letting professionals check your credit report for you.
If there is a problem with the credit report, there will be a problem when handling the loan.
I hope I can help you.
Second, is the second-hand housing online signing done after the transfer of property rights?
The second-hand house online signing contract must be handled before the transfer.
If you need a loan, signing a contract online is one of the proofs for banks to buy second-hand houses. Before transferring money, the bank will check whether you meet the requirements of the lender. After providing relevant information, the bank will agree to lend money.
If you don't need a loan, you must also print the online contract before the transfer, because you need this contract when you transfer, and the contract price will be the reference standard for you to pay the house deed tax. Another indicator is that the real estate market will invite people to evaluate the value of your house. Evaluating the price is an important basis for the national statutory tax to be collected by your house.
Third, whether to buy a second-hand house before applying for a loan, or apply for a loan first and then apply for a loan online.
Sign online first and then apply for a loan.
After the online signing, the loan usually needs to wait for a while.
The situation of each bank is different, and it usually takes 2-6 months to get a loan.
Before you apply for a loan, you must pay attention to letting professionals check your credit report for you.
If there is a problem with the credit report, there will be a problem when handling the loan.
I hope I can help you.
Fourth, the order of online loan signing.
The order should be to sign online first and then apply for a loan. After the buyers apply for online signing, they usually have to wait for a period of time to handle the loan business. The situation of each bank is different, and it usually takes 2-6 months to get a loan. Therefore, before you apply for a loan, you must find a professional to help you check whether there is anything wrong with your credit report. If there is something wrong with the credit report, it is very likely that the loan will not be done. Online signing is the abbreviation of online signing, which is common in the field of real estate transactions. It means that after the two parties sign the contract, they will go to the relevant real estate department for the record, form an online signing number and publish it online. Users can query online through the online sign number. In the field of e-commerce, it is also called electronic contract signing and online contract signing. Online signing is to make real estate transactions more transparent and prevent "one room selling more", which can be revoked after signing the contract. The general "online signing" procedure is as follows: the two parties to the transaction negotiate and formulate relevant terms according to the text of the commercial housing deposit agreement or sales contract published online → the real estate development enterprise prints the agreement or contract confirmed by both parties through the online signing system → both parties sign (seal) → indicate on the electronic property right form that the commercial housing has been booked or signed. In the future, before applying for the pre-sale permit of commercial housing, or applying for the registration of new commercial housing ownership for existing commercial housing, real estate development enterprises must go through the project network access procedures at the real estate management department and submit relevant materials and supporting materials. The public can check online at any time. There are essential differences between online signing and filing. Online signing is just a network management system established by real estate management departments to regulate the sale of houses by real estate enterprises and prevent development enterprises from selling more houses in one room. The basis for filing is the sixth regulation issued by the Ministry of Construction of China: the pre-sale of commercial housing is subject to a licensing system. The development enterprise shall handle the pre-sale registration of commercial housing with the city and county real estate management departments and obtain the pre-sale permit of commercial housing. Article 10 of this method also stipulates that in the pre-sale of commercial housing, the development enterprise shall sign a pre-sale contract with the winning bidder. The pre-seller shall, within 30 days from the date of signing the contract, go through the registration formalities with the real estate management department or land management department of the people's government at or above the county level with the pre-sale contract of commercial housing. The combined effect of the two is to prevent one room from selling more. When paying attention to the legal effect of online signing without filing, it can only achieve the management effect of filing. If you want to achieve the legal effect of filing after completing the online signing, you must go to the local real estate registration agency for filing and registration.