Just received the information from the housing management office, the successful filing of the purchase contract does not mean that the bank mortgage has passed, just waiting for the bank to lend money. Successful filing has nothing to do with bank approval. Banks are banks, and housing management is housing. The filing certificate can only prove that the developer's suite has been filed with the real estate bureau to prevent the developer from selling more than one room. The purchase contract is signed only after the online signing, and will be handed over to the Housing Authority for the record after signing. As long as it has been put on record, the developer can get the purchase contract from the Housing Authority, so ask the developer when to complete the filing procedures. Usually filing time: After the customer signs the commercial housing purchase contract, the developer submits the purchase contract to the Housing Authority for filing, which usually takes 30 days. After signing the purchase contract, you must go to the Housing Authority for the record. Because the implementation of the housing contract filing system can effectively restrict developers. It can not only prompt developers to speed up the building, but also handle the property right certificate according to the regulations, and make buyers feel more at ease, and can also avoid many hidden dangers brought by one room and two owners to consumers. The registration and filing system of housing transactions mainly examines the legality of the pre-sale of commercial housing by real estate developers through the management of the pre-sale contract of commercial housing, so as to protect the legitimate rights and interests of buyers, and the core is to prevent the phenomenon of "selling more than one room" in the pre-sale process. The record of the purchase contract is the information and price of the real estate sold by the developer after obtaining the pre-sale permit, which can not only urge the developer to speed up the housing construction and apply for the real estate license according to the regulations, but also effectively prevent the phenomenon of "one room for two sales" and make the buyers feel more at ease. Housing contract filing means that after the online signing of commercial housing, the developer files the contract, obtains the filing number after being audited by relevant departments, prints out the contract text, and the buyer and seller sign and seal it. According to the data, most of the commercial houses currently on sale in the property market are faster houses, and some houses have already started internal booking sales before breaking ground.

Second, when the contract is put on record, does it prove that the loan has been approved?

Not filing the purchase contract: at present, most of the commercial houses sold in the property market are auction houses, and some houses have already started internal appointment sales before breaking ground. Although property buyers have signed a purchase contract with developers, it is difficult to guarantee the smooth implementation of the contract. Some can't handle the title certificate in time because of incomplete development procedures, and some are secretly mortgaged by developers, and the property rights are divided up by others. The implementation of the house purchase contract filing system can effectively restrain developers. It can not only prompt developers to speed up the building, but also handle the property right certificate according to the regulations, and make buyers feel more at ease, and can also avoid many hidden dangers brought by one room and two owners to consumers. Therefore, contract filing does not prove that the loan has been approved.

Third, does the signing of the loan purchase record contract represent a loan?

Mortgage to buy a house does not mean that the loan is successful. After signing the contract, it needs to be approved, and the loan will be released after approval. Buying a house to apply for a loan is to apply for a loan after signing a house purchase contract, and to examine and approve it after signing a loan contract, as follows: 1. The loan procedures for mortgage loans of first-hand houses need: identity certificate of the lender and his wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), certificate of no house, certificate of unit income, and certificate of guarantee company. It is relatively simple for developers to apply for loans after signing a house purchase contract. 2. The loan procedures of second-hand housing mortgage loan need: identity certificates of buyers and sellers, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, income certificates of buyers and sellers and proof of no house. When signing a house purchase contract, the buyer and the seller need to sign the contract online in the housing management department, then apply for a second-hand house mortgage loan in the bank, then go through the transfer formalities in the housing management department, issue a certificate, go through the mortgage registration and withdraw the loan from the bank.

Fourth, the signing of a record contract after the loan to buy a house does not mean that the loan will come down?

As a borrower, you have to review your qualifications and the materials you need before you can approve the loan. After the loan is approved, the buyer and the seller can transfer ownership. After you both open accounts, send the real estate certificate with your name on it to the bank for mortgage, and the bank will only lend the original owner a loan after the mortgage is completed. These all take time, usually between half a month and a month.