Legal analysis: Yes, the online signing has been filed with the Housing Authority, and the mortgage is through the loan. Filing refers to filing the purchase contract, and loan refers to applying for a purchase loan, which can only be carried out after signing the purchase contract and paying the down payment. The buyer goes to the bank with the purchase contract and the down payment certificate, so the order of filing the loan is to file it first and then lend it.

Legal basis: Article 45 of People's Republic of China (PRC) Urban Real Estate Management Law. The pre-sale contract of commercial housing shall be reported to the real estate management department and land management department of the people's government at or above the county level for registration and filing in accordance with the relevant provisions of the state.

Twenty-seventh real estate development enterprises shall, within 30 days from the date of signing the pre-sale contract of commercial housing, go to the real estate development department of the people's government at or above the county level where the commercial housing is located and the department responsible for land management for the record.

"Measures for the Administration of Urban Commercial Housing Pre-sale" Article 10 For the pre-sale of commercial housing, the development enterprise shall sign a pre-sale contract with the winning bidder. The development enterprise shall, within 30 days from the date of signing the contract, go to the real estate management department and the land management department of the people's government of the city or county to handle the registration and filing procedures for the pre-sale contract of commercial housing.