Every region is different. Some are online signing after loan approval, and some are online signing before loan approval. They can only ask the local second-hand house shop, and they all know it. One thing is certain: you can't lend money until you sign online.

Second, is it necessary for a house to apply for a mortgage loan first?

Housing mortgage loan is signed online first, and then the loan is processed; Online signing is a networked management system established by real estate management departments to regulate the sale of houses by real estate enterprises and prevent development enterprises from overselling and selling more houses in one room. After the online signing, the loan usually has to wait for a while. The situation of each bank is different, and it usually takes 2-6 months to get a loan.

Mortgage loan process

1. After confirming that the property you choose is supported by bank mortgage, the buyers who apply for mortgage loans should know the legal documents of the bank about the mortgage loans obtained by the buyers and fill out the mortgage loan application form.

2. After the bank that signed the house purchase contract received the mortgage application submitted by the purchaser, if the relevant laws meet the mortgage loan conditions, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

3. After signing the house purchase contract and obtaining the payment voucher, the buyer shall specify the mortgage loan amount, term, interest rate, repayment method and other rights and obligations based on the relevant legal documents stipulated by the bank and the building mortgage loan contract.

4 "Housing, developer and bank contract" and purchase contract to the real estate management department for mortgage registration. If the house is delivered in advance, the mortgage registration shall be changed after completion.

5. Opening a special repayment account After signing the house mortgage loan contract, the buyer opens a special repayment account in the financial institution designated by the bank, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears from the account.

6. Payment terms: The loan shall be transferred to the bank supervision account opened by the developer in the bank as the purchase price of the purchaser in accordance with the provisions of the Building Mortgage Loan Contract.

Extended data:

I. Conditions for applying for mortgage loans

1, legal

2. Have the ability to stabilize economic interests.

3. There are legal and effective contracts and agreements for the purchase and overhaul of houses and the requirements of loan banks.

4, have purchased (overhaul) housing more than 20% of the total self-raised funds, and ensure that used to pay the down payment of purchased (overhaul) housing.

5. Mortgage or pledge of assets recognized by the lending bank, or (legal person or other economic person)

Second, the mortgage loan application materials

1, individual housing loan application

2, a copy of identity documents (resident ID card, residence booklet, military officer's card, Chinese mainland passport, visiting relatives, home visits and other residence certificates or other identification.

3, issued by the handling bank approved by the competent department of the borrower's stable income certificate or other.

4, the legal purchase (overhaul) of housing contracts, agreements and related approval documents.

5. Collateral is the certification document, the certificate of consent to mortgage or pledge issued by the person who has the right to dispose of it, and the collateral evaluation report issued by the evaluation institution recognized by the loan bank.

6. The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor.

7. The borrower intends to provide pledged bank deposit certificates, voucher-type treasury bonds and other securities to the lending bank.

8. Relevant certificates of self-financing of the borrower's purchase (overhaul) of the house.

9 (existing house) real estate license (copy)

10, if it is the spouse of the borrower, fill in the relevant information of the spouse and exit.