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Is it legal to apply for a loan before buying a house?
Legal subjectivity:

No. Under normal circumstances, buyers will first sign a draft contract with the developer, and then print it out after the initial signing is completed. After confirmation by both parties, a formal contract will be signed online. Before the online signing, it is up to the buyers and sellers to decide whether it is necessary to sign the contract on paper because of the agreement and confirmation of the contract content.

Legal objectivity:

Article 1 of the Notice on Improving the Online Signing Process of the Stock House Sales Contract is adjusted to three stages by the intermediary of real estate brokers (including transaction guarantee institutions, the same below): (1) Drafting stage: after the two parties reach an agreement on the main terms of the contract, the operators of the real estate brokers fill in the contract on the online signing system of the stock house and print the information checklist of the stock house sales contract (see annex). Both parties to the transaction check whether the relevant information of the contract is entered correctly, and then submit the contract in the drafting stage to the printing stage after confirmation. (2) Print the contract: the operator prints the contract filled in online and submits it to both parties for signature (or seal). (III) Signing Completion: After both parties sign (or seal), the operator clicks "Signing Completion" in the online signing system.