According to Article 4 of the Provisional Regulations on the Registration of Real Estate, the state implements a unified registration system for real estate. Article 7 Real estate registration shall be handled by the real estate registration agency of the people's government at the county level where the real estate is located; The people's governments of municipalities directly under the central government and cities divided into districts may determine the real estate registration agencies at the same level to uniformly handle the real estate registration in their respective jurisdictions. Real estate registration across county-level administrative regions shall be handled by real estate registration agencies across county-level administrative regions respectively. If it cannot be handled separately, it shall be handled through consultation by the real estate registration agency across county-level administrative regions; If negotiation fails, it shall be handled by the real estate registration department of the people's government at the next higher level.
Need.
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.
But sometimes developers put on record to prevent customers from signing contracts, and bank loans can't be approved due to customers' reasons, which leads to the trouble of returning a house. So the general developer's current process is like this: sign a contract, not an electronic contract, you pay a down payment, and then sign a loan contract.
After the approval of the bank, the customer will sign the electronic contract. At this time, the electronic contract filing and mortgage registration procedures will be reported to the real estate bureau. When the real estate bureau receives the receipt, the bank will call the developer for a loan, and the customer will start paying back the money every month!
Legal basis:
Provisional regulations on the registration of real estate
Article 4 The State practices a unified registration system for real estate.
Article 7 Real estate registration shall be handled by the real estate registration agency of the people's government at the county level where the real estate is located; The people's governments of municipalities directly under the central government and cities divided into districts may determine the real estate registration agencies at the same level to uniformly handle the real estate registration in their respective jurisdictions. Real estate registration across county-level administrative regions shall be handled by real estate registration agencies across county-level administrative regions respectively. If it cannot be handled separately, it shall be handled through consultation by the real estate registration agency across county-level administrative regions; If negotiation fails, it shall be handled by the real estate registration department of the people's government at the next higher level.