It is recommended that your online signature should not exceed the transaction price. The reasons are as follows:

The loan amount depends not only on the online signing price, but also on the appraisal report of the appraisal company. Under normal circumstances, the appraisal report does not reach the transaction price as high. Therefore, if your online signing is higher than the appraised price, the bank will use the lowest value as the base when calculating the loan amount.

The transaction price is signed in the sales contract. If the online signing is higher than the transaction price, then the down payment will be supervised, and the bank will lend part of the loan to the owner, which is equivalent to an increase in your purchase price. For example, the transaction price of a house is 4 million. Assume that the owner agrees not to charge a deposit, and there is no property security deposit or household registration deposit. If you sign online and want to achieve 4.2 million, this house is an ordinary residence and you are getting a first-time loan. If so, the loan amount is 2.73 million. Then the Construction Committee needs to supervise the down payment of 1.47 million, and the bank needs to lend the loan part of 2.73 million to the owner after the transfer, so the cost of your house purchase this time is 4.2 million. So this is not feasible.

I hope my answer will help you, and you are welcome to like and adopt it.