1. Whether the house signed online can be mortgaged depends on the situation:
(1) For the houses that have been signed online, if the parties have handled the real estate license, they can mortgage the loan;
(2) But if you don't have a real estate license and only sign the contract online, you can't get a loan.
2. Legal basis: Article 399 of the Civil Code of People's Republic of China (PRC).
The following properties shall not be mortgaged:
(1) Land ownership;
(two) the right to use collectively owned land such as homestead, private plots and private hills, except those that can be mortgaged according to law;
(3) Educational facilities, medical and health facilities and other public welfare facilities of non-profit legal persons established for the purpose of public welfare, such as schools, kindergartens and medical institutions;
(4) Property whose ownership and use right are unknown or controversial;
(5) Property that has been sealed up, detained or supervised according to law;
(6) Other properties that may not be mortgaged according to laws and administrative regulations.
Second, what is the process of handling bank loans?
1. Prepare materials, including loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials;
2. After handling the application and preparing the relevant materials, the customer can go to the bank or the law firm entrusted by the bank to handle the loan application and submit the relevant materials to the bank. After paying various fees, customers need to sign a loan contract with the bank as a legal document binding both parties;
3. Payment review. If it is a housing loan, the law firm entrusted by the bank will first conduct a preliminary review of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit is unqualified, the bank will return the relevant information of the customer and the fees charged;
4. Go through other legal procedures;
5. Bank loans.