Legal analysis: Loans are not allowed for contracts signed online. Generally speaking, banks cannot issue loans without a real estate certificate, because without a real estate certificate, the housing management department cannot mortgage, and the bank will not accept it and there is no way to handle it. House mortgage registration procedures. At present, the Guarantee Law of the People's Republic of China does not support any form of online mortgage agreement.

First of all, it is the rights rather than the contract itself that are used to guarantee the mortgage. The so-called real estate mortgage is a mortgage of the ownership of the house and the land use rights. A contract signed online is not a right and cannot be used for mortgage.

Second, only after the online signing is completed, go to the housing management department and tax department to complete the relevant tax payment and transfer procedures. After getting the house book, the bank account manager can handle the appraisal and mortgage procedures with your house book. .

Legal basis: Article 465 of the "People's Republic of China and Civil Code" A contract established in accordance with the law shall be protected by law. A contract established in accordance with the law is only legally binding on the parties, unless otherwise provided by law.