However, it should be noted that the online sign has no legal effect, and it only has legal effect after filing. Therefore, it must be filed in time after the online signing. After the general online signing, those who meet the filing conditions will be recorded in the register, and the online filing will be completed to generate the contract number.
At the same time, the online signing system and the commercial housing property right table on the website will publicize the information that the set of commercial housing has been sold. It should be noted that after the filing is completed, it is necessary to print out the text of the online signing contract that has been filed, and save it separately after being signed and sealed by the buyer and the seller. So at the end of the online signing, it is also necessary to save the paper contract.
What are the consequences of not signing a house online?
The main purpose of house online signing is to make the transaction more transparent, avoid the phenomenon of selling more than one room and ensure the interests of buyers. Therefore, the consequences of not signing a house online are mainly some potential risks, as follows:
1. Under normal circumstances, the house sales contract that can be directly signed online shows that the developer's qualifications and procedures are complete, so it will be smoother in the process of handling the deed certificate and real estate license. Houses that cannot be signed online are generally due to the developer's incomplete qualifications and procedures, so there are certain risks, which may easily lead to the phenomenon that the real estate license cannot be handled.
2. But sometimes, the online signing is not because of trouble, and the contract is signed directly in writing. However, it should be noted that the online signing contract is directly filed online, but the pure written contract also needs to go through the filing formalities with the Housing Authority after signing the contract. If the filing is unsuccessful, it also means that there are incomplete procedures or other problems in the house, and special attention needs to be paid at this time.
Legal basis:
Notice of the Ministry of Housing and Urban-Rural Development of the People's Republic of China, the Ministry of Housing and Urban-Rural Development of the People's Republic of China, the Supreme People's Court of People's Republic of China (PRC), the Ministry of Public Security of the People's Republic of China, the People's Bank of People's Republic of China (PRC), State Taxation Administration of The People's Republic of China of People's Republic of China (PRC) and the Insurance Regulatory Commission of the Bank of China on Strengthening the Online Registration of Housing Information and Improving the Service Level of Public Housing (J&F [2020] No.60)
First, speed up the sharing of system docking information.
The departments of housing and urban-rural development in cities and counties should standardize the business process of online housing signing and filing in accordance with the requirements of Opinions of the Ministry of Housing and Urban-Rural Development on Improving the Efficiency of Online Housing Signing and Filing Services (No.4 [2020] of the Ministry of Housing and Urban-Rural Development) and Notice of the General Office of the Ministry of Housing and Urban-Rural Development on Printing and Distributing the National Data Standards for Online Housing Signing and Filing Services (No.4 [2020] of the Ministry of Housing and Urban-Rural Development). , we should actively promote the data docking between the housing online sign filing system and related information systems, and enjoy the housing online sign filing data through the extension of the network dedicated line, the national data sharing and exchange platform, the national integrated online government service platform and the operating port of the housing online sign filing system, and handle mortgage loans, tax returns and housing for relevant units and individuals. For those who can obtain online registration data of houses through information, the parties are no longer required to submit paper contracts for the sale, mortgage and lease of houses.
The second is to optimize housing commercial loan handling services.
Financial institutions can query the information of newly-built commercial housing, second-hand housing online signing and filing contracts, housing sets and so on in real time through the housing online signing and filing system. When handling personal housing loan business, financial institutions shall take the online signing and filing contract and inquiry results of housing units as the audit basis, and the low value of online signing and filing price of sales contracts and housing evaluation price as the calculation base to determine the housing loan amount. The parties to the house mortgage shall file the house mortgage contract through the online signing filing system, and the house mortgage contract filed through the online signing shall be used as one of the bases for financial institutions to issue mortgage loans. Financial institutions should rely on the information sharing mechanism of online signing houses, improve customer due diligence, strengthen loan review management, and prevent transaction fraud and loan fraud. In the monitoring and analysis of suspicious transactions, we should pay attention to the abnormal situation that the online signing record price is significantly different from the house evaluation price and the actual transaction funds of customers in time to effectively prevent the risk of money laundering.