Current location - Loan Platform Complete Network - Loan intermediary - Can I apply for a mortgage loan without an online sign?
Can I apply for a mortgage loan without an online sign?
1. Can I apply for a mortgage loan without an online sign?

Without online signing, you can't put on record, and you can't guarantee your rights and interests and the future mortgage of the loan bank.

2. Are the online signing and filing done on the same day?

If it is a new house, you can only apply for two certificates after handing over the house, so it is generally impossible to apply for two certificates after online signing, let alone handle the transfer procedures; If you apply for two certificates after paying taxes in the future, you can only go through the transfer formalities with two certificates and no loan; At the same time, second-hand housing transactions also need online signing, and it is even more impossible to conduct them at the same time. If it is a second-hand house, you can go to the Housing Authority to transfer the transaction after the online signing. Pay taxes on the same day, and you can transfer the real estate license on the same day. It takes a day or two to pass the real estate license first and then the land certificate. If there is a loan, the time is a little longer.

In the field of real estate, online signing means that after the two parties sign a contract, they go to the relevant real estate department for the record and publish it online. Then it will be given an online sign number, through which users can query online. Online signing is to make real estate transactions more transparent and prevent online signing and filing on the same day. Can the online signing and filing of multiple rooms be completed on the same day? After the contract is signed, it can be revoked. Can general online signing and filing be done on the same day? Can online signing and filing be done on the same day? The qot process is as follows: the two parties to the transaction negotiate and formulate relevant terms according to the text of the commercial housing deposit agreement or sales contract published online → the real estate development enterprise prints the agreement or contract confirmed by both parties through the online signing system → the two parties sign (seal) → the commercial housing has been booked or signed on the electronic property right form.

3. Can online signing and mortgage be done on the same day?

It's not necessary. After signing online, you don't need to apply for a loan immediately on the same day. Generally, online signing will have a clear time limit in the purchase contract. Under normal circumstances, the development enterprise needs to go to the real estate transaction management department to handle the contract seal filing procedures within 3 working days of online signing.

After all the formalities are completed, the loan is generally handled within one month, and the specific basis is subject to the contract.

4. Can I sign and transfer online for one day?

The key depends on local policies. If people are familiar with this business, it can be completed in one day in many places. Some places can't, and there are not many people who transfer ownership. Some places are crowded and unfamiliar with the numbering business, so it's definitely not possible.