Legal analysis: loan contract and loan contract are usually in quadruplicate. You sign it first, then the developer seals it, and then send it to the bank for approval. If there is no problem, the developer or bank staff will send the information to the real estate bureau for mortgage registration. After completion, the bank will keep one copy, the real estate bureau will keep one copy, the developer will keep one copy, and the customer (buyer or lender) will keep one copy.

Legal basis: Article 32 of People's Republic of China (PRC) Contract Law. If the parties conclude a contract in the form of a contract, the contract shall be established when both parties sign or seal it.