According to the contract, you cannot apply for a loan. The borrower needs to meet the requirements of the loan, have a stable source of work and pay by punching, and the comprehensive score can reach 600 points.

3. Can I get a loan by signing a house purchase contract online?

Legal analysis: online signing is not allowed. Under normal circumstances, banks can't issue loans without real estate license, because the housing management department can't mortgage without real estate license, and banks won't accept it, so there is no way to handle mortgage registration procedures. At present, the Guarantee Law of People's Republic of China (PRC) does not support any form of online signing mortgage agreement.

First of all, it is the right, not the contract itself, that is used for mortgage guarantee. The so-called real estate mortgage is the right mortgage of house ownership and land use right. Online contract signing is not a right and cannot be used for mortgage.

Second, only after the online signing is completed and the relevant tax payment and transfer procedures are completed in the housing management department and the tax department, can the bank account manager handle the evaluation and mortgage procedures with your house book.

Legal basis: Article 465 of the Civil Code of People's Republic of China (PRC). Contracts established according to law are protected by law. A legally established contract is legally binding only on the parties, except as otherwise provided by law.