As you said, online signing means that the case is ready, and your loan to buy a first-hand house is actually similar to a second-hand house. Online signing for the record means that the process of this house is similar to that of second-hand houses. First, the borrower and mortgagor of the first-hand house you bought from the bank are you, and the collateral can only be mortgaged after you register in your name, and the bank will only lend money after the mortgage.
Second, the registered permanent residence has signed a contract to buy a new house. Is the house on record?
It is put on record. After booking the purchase contract, the developer will put the house on record in the Housing Authority. You can go to the local Housing Authority to check whether the purchased property is put on record. 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. Generally speaking, the contract filing is filed by the developer in the online housing authority. In one case, the loan is used to buy a house, and the loan information is under review. If there is no problem, the bank will inform the developer to put on record, so that you can find it after the developer puts on record. And the loan can be released within 1 month at the earliest. If you haven't got a loan and you have a down payment receipt, don't worry. Wait, this will take some time.
Third, there is no loan for the new house. Can the Housing Authority put it on record?
The general process is to sign an electronic contract with the developer, pay the down payment, and then sign a loan contract with the bank. Developers must go to the real estate bureau for contract filing three days after the electronic contract approved by the bank is signed. After the loan is approved, the developer or bank will go to the real estate bureau for mortgage procedures.
Fourth, the house I bought has not been put on record, and the bank payment has come down. Is it possible? ...
Don't worry, it's okay.